<prompt> Human: Hi all,My wife and I are first-time parents, and although we love our little string bean, we have been greeted by a complicated mess of insurance coverage and billing issues. Allow me to summarize: General note - my wife and I are on separate insurance through our jobs; her insurance is cheaper 10037; company paid though it has a higher deductible. She has 3,200 individual 6,400 family HDHP coverage. My wife hit her deductible during childbirth. As a result, her plan should kick in for subsequent, required, non-preventive care. We are fortunate in that her plan pays 10037; after deductible. We have gotten three bills for various services for my wife subsequent to her hitting her deductible, all of which should have been covered under the plan. We were balance-billed for newborn audiology screening because the provider was out of network this is wrong on multiple levels since our hospital has a policy preventing their providers from balance billing patients who are seen on an in-patient or emergency basis; this was quickly adjusted to be considered in-network, but then we were billed for even more because it was incorrectly processed. Standard audiology screening is preventive care, covered by all compliant insurance plans at 10037;. We received bills for multiple other preventive services, all of which are, per our benefits package, covered at 10037; irrespective of deductible.In total, the erroneous bills have come to 2,000. We were fully prepared for the 3,200 and for subsequent visits when our baby is ill; we were not prepared to be billed due to our insurance company failing to abide by its own policies!We have gotten bills from no fewer than ten different providers; if we werent educated on our plan coverage, we could easily have just paid these bills without a second thought, and if we had ignored them without contacting the providers and insurance company, our credit would have been hit pretty hard.The story is still playing out - insurance is adjusting the claims it processed wrong - but the moral of the story is to get educated on your benefits before having a baby, and read every single bill and EOB you get to make sure you are not paying too much.  <response>: This is bringing back nightmares of an MRI I had years ago where I fought Humana for like a year. Screw this system. 