are there any affordble insurance plans that back pay for 2 month old hospital bills?

i had a baby before my insurance was active and they billed me for it and now their saying they cant pay it. so now i could be stuck with a bill i probably wont even be able to pay.. any advice? no dumb answers plz!

Public Comments

1. Sorry, none of the companies will cover anything that occured prior to the effective date. Your best bet would be to contact the billing department. They will work out a payment plan for you, and depending upon your income may even forgive some of the bill.
2. There are no insurance plans that pay for events that occurred before they are purchased. Try to work out a plan with the hospital and doctors. Sometimes, if you can come up with a big enough chunk of cash, you can get some great discounts. Find out what some insurance companies are paying for similar deliveries and offer that. (I know you said you don't have money -- think about borrowing it or putting the expense on your credit card.) Oh, congratulations on your new baby. I hope you and he/she are healthy and enjoying being a family. Be sure you check with all welfare agencies for help, also.
3. Nope, no such plan, paying for losses prior to the effective date of a policy would be a prescription for insolvency for the insurance company.
4. That's like saying, are there any racetracks where I can place my bet after the race is run? That's not a dumb answer, it's a paraphrase of what you just asked. Nope, it doesn't work that way. No one wants to exchange $200 for $10,000, guaranteed. You're best off calling the hospital billing department, and asking them to work out a payment plan for you.
5. No absolutely not...that's called pre-existing conditions...so they wont pay. But like everyone has said call the hospital and they WILL work out a payment plan for you....even if you can only pay $10 a month...just let them know what you can afford.
6. There's no way an insurance company is going to back pay for a hospital bill, they'll lose a ton of money if that were how they ran business. You're better off contacting the hospital to see if they can reduce the bill , or arrange a payment plan with them.
7. Probably not. Most insurance plans don't go retroactive, nor will they cover things already done.