Family feels scammed after birth isn't covered by hospital indemnity insurance

The Heil family of Centennial experienced several firsts, including the birth of their son. They enrolled in MetLife's Hospital Indemnity Insurance, expecting coverage for their hospital stay. However, their claim was denied due to a pre-existing condition, as pregnancy was considered a sickness under the policy. Despite filing a complaint, the denial was upheld. Expert Govind Prasad explains the latitude of such plans and advises checking if a plan is covered under the Affordable Care Act. He suggests consulting HR and reading the fine print. The Colorado Consumer Health Initiative may offer additional support.

What significant event did the Heil family celebrate during the holiday season?

• Their wedding anniversary

• The birth of their son Hayne

• A family reunion

• A new job opportunity

Why was the Heil family's insurance claim denied by MetLife?

• They did not have the correct documentation

• The pregnancy was considered a pre-existing condition

• The hospital stay was not covered

• They submitted the claim too late

What type of insurance did the Heil family enroll in with MetLife?

• Home insurance

• Life insurance

• Auto insurance

• Hospital indemnity insurance

According to Govind Prasad, what should you check to ensure a health plan covers pre-existing conditions?

• If the plan is affordable

• If the plan is covered under the Affordable Care Act

• If the plan has a low premium

• If the plan is popular

What organization does Govind Prasad mention that might help with understanding health plans?

• Health Insurance Marketplace

• National Health Service

• Colorado Consumer Health Initiative

• American Medical Association