Yep - unfortunately, that was us. We tried using the info you provided Susan, but then after all this ragamarole, we were finally told something to the effect of our plan (through our state) is self funded and so was also self-regulated -- I'm fuzzy on the details now, but we were trying to argue the point of, if we are matched, we are fiscally responsible at the time of BIRTH, not PLACEMENT. We really just wanted to be protected in the case of a NICU stay prior to placement, etc. But w were told they didn't have to play by those rules.
We did end up with coverage from placement, but ran into an insurance hassle anyway. PIWs beware: although we were covered, we were out of our coverage area (state) when we took placement. The hospital wanted the baby to be checked in a week and made an appt at their clinic. When we went to that, they also wanted the 2nd PKU test done in state, and it was 1 day too early to do that 2nd test, so we had to go back the next day. So -2 clinic appts. Well - our delirious, sleep-deprived, living-in-a-hotel-room-out-of-state brains didn't even think to ask for prior approval - so although we had coverage retro to placement, those visits weren't covered because they were out of network and we hadn't gotten prior authorization. I appealed, but it didn't help.
Just my story and a little warning.
Mary Helen,
We ran into the same problem but once we got home and had a Dr they then did a referral back for those visits in Texas. This took place 9 months after the fact!! Check with your peditricians office to see if they would given a referral. We also had to go to the Dr twice when we were in Texas.
Paula