<prompt> Human: I am in the Arizona. My wife delivered via C-Section. For the first 72 hours the baby is automatically covered on the mothers insurance. However, we are being billed twice for everything. We talked to the hospital and they said that is common. Mother and child have a 500 deductible each. Insurance covers 70 after that. We have taken out all our savings leaving some in case of emergency. We still owe 6k to the hospitalMy wife is a teacher. She brings home 900 every two weeks and it is 850 a month to have the family on her insurance. Therefore, we have moved the baby to my insurance. Now we have to meet a third deductible of 3,000. Due to some complications with the baby we have to go to Phoenix Childrens Hospital monthly for ultrasounds on the baby. 1,000 a visit.Am I doing something wrong? All we did was have a baby and are drowning in bills now.Assistant: Have you talked to your insurance agent about going to bat for you? Have you gone to bat with these bills? Ive heard many many stories of a lot of these bills being negotiable. On top of that Ive heard many stories of insurance and hospital billing frequently getting things wrong. I think you should go over everything, in detail and perhaps consult your insurance agent at my work this is a different entity than my actual insurance provider, like the difference between a car dealer and a car manufacturer. However, we are being billed twice for everything. We talked to the hospital and they said that is common.This explanation for instance is NOT good enough, go back over this. Its not in the insurers or the hospitals best interest to make sure they are getting the billing right. Due to some complications with the baby we have to go to Phoenix Childrens Hospital monthly for ultrasounds on the baby. 1,000 a visit.Another thing Id question, is that really all your insurance covers? It could be right. But definitely a good idea to make sure. Also, once you are aware of a specific treatment someone needs, it is possible to shop around, you arent stuck going to whoever you were referred to, as long as you are in-network, pricing for all sorts of procedures can vary WILDLY.TLDR: Everything is up for debate mistakes are made all the time, double, triple check everything, get your insurance agent involved with anything you are confused on, make sure all bills are valid and that all insurance coverage was what it shouldve been.Human: I have not talked to my agent. I have talked to the hospital and they said that was normal. For instance both my wife and baby were billed for the operation and the room. It was one operation and they stayed in the same room afterwards. Seems like a scam.  <response>: Your agent wont help. Hes a salesman. You just need to look at your statement of benefits and ensure that you are paying the negotiated rate.Correct the double bills. Just note that you will be billed separately for your child and your wife.once you got everything squared away, you can start working on a payment plan. If they need more money faster, then you can begin the negotiation to settle in full for less than you owe. 