Try $950,000 on for size!
A Canadian woman, who was six months pregnant, went to Hawaii for a vacation. They checked with their doctor and after he cleared it, they bought medical insurance that would cover her while she was in the states in addition to the insurance that they already had in Canada.
As luck would have it, Mom’s water breaks, and out comes the baby, 3 months early, while they are in Hawaii!
Here is where it get’s interesting.
Between the hospital and neonatal care, the bill was $950,000.
The couple, having not one but two insurance policies, thought they were all set.
They were not.
The US company agreed to pay $12,000 citing the pregnancy as a pre-existing condition?!? The Canadian insurance company agreed to pay $20,000.
The Canadian couple is on the hook for the remaining $918,000!
Moral of the story…if you are traveling out of the country check in with your insurance company to see what may and may not be covered.