My baby needed expensive intensive care, but my insurer was taking a long weekend. How can this be?

On Thanksgiving evening my baby spiked a high fever. By Friday morning her little head started bobbing up and down as it became hard for her to breathe. My daughter had an infection and she was in respiratory distress.

We rushed to a pediatric emergency room where the doctors recommended that she be admitted to their hospital’s intensive care unit. Because we ended up at a hospital that was considered “out of network” by my insurance plan, I called the number on the back of my insurance card to make sure the emergency admission was OK. To my horror, the office was closed and would not re-open until Monday. 

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