this post was submitted on 21 Feb 2026
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A couple were told they faced a $200,000 (£146,500) medical bill when their baby was born prematurely in the US, despite them having travel insurance which covered her pregnancy.

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[–] shittydwarf@sh.itjust.works 334 points 2 weeks ago (15 children)
[–] atro_city@fedia.io 34 points 2 weeks ago (1 children)

why would you go there??? this couple was asking for it

[–] thesohoriots@lemmy.world 64 points 2 weeks ago (1 children)

Did you see how they were dressed my god

[–] HereIAm@lemmy.world 22 points 2 weeks ago (1 children)

If i take a boat and sail to a known cannibal island, where people like me have gone and been eaten before, and I then get eaten, there's no one to blame but me. The US is simply not a good place to travel to at this time. It would have been even more hell for them if they had to over stay their visa.

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[–] WolfLink@sh.itjust.works 29 points 2 weeks ago (1 children)

The problem in this story wasn’t actually the US this time, it was the Swiss insurance company.

[–] Buffalox@lemmy.world 106 points 2 weeks ago* (last edited 2 weeks ago) (7 children)

I would say the problem also was a very high medical bill of $ 200k.

[–] dharmacurious@slrpnk.net 43 points 2 weeks ago (1 children)

Yes. You're right. Our healthcare system is absolutely bonkers bananas insane, and that's before you calculate in the cruelty. And as US citizen, I strongly advise everyone who isn't to avoid this country like the plague.

However, if I travel to Switzerland or Canada or Italy or wherever, as a tourist, I am not covered if I go in the hospital. I still need to carry travel insurance, and if I don't, or if it doesn't cover something, then those countries with their modern, sensible healthcare systems will charge me out of pocket, just like an American hospital. The difference is that in America, even the citizens aren't covered by default, and the amounts are astronomical compared to other countries.

It's a shitty system all around, and frankly, I genuinely believe that if it weren't for America's weird fetish for as much money as you can possibly choke on, we would probably have started building an actual universal healthcare system for the global community, so that you're covered by default even when traveling. But like with most things, the right wing nonsense has held us so far back that that is so unlikely as to seem utterly impossible

[–] alfert@feddit.dk 18 points 2 weeks ago (1 children)

Yes if you come here to Danmark from the US you will not be covered. But if you are from a country in the EU you will in most cases be covered and don't have to pay anything for being hospitalized.

[–] rainwall@piefed.social 25 points 2 weeks ago (3 children)

Even if you do have to pay something, the cost Ive seen people post in europe are in the hundreds/thousands, not hundreds of thousands like the US.

Maybe this couple woukd have gotten a $200/2000 bill in the EU for a birth? $200,000 is a purely US problem.

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[–] slothrop@lemmy.ca 201 points 2 weeks ago (2 children)

Their baby was born in an American hospital seven weeks early, but the couple said Zurich Insurance Group refused to uphold the policy and cover their costs because the baby was not named in the document.

After a nine month legal battle, Zurich has reversed its decision and told the BBC it was sorry for the stress caused.

[–] ThePantser@sh.itjust.works 149 points 2 weeks ago (1 children)

The unborn child that isn't allowed to have a name yet needs to be named in the document.

[–] albbi@piefed.ca 48 points 2 weeks ago

You can just imagine whoever made that decision letting out an evil laugh.

[–] Wildmimic@anarchist.nexus 100 points 2 weeks ago

The legal proceedings had more time to mature than the baby lol

[–] JoshuaFalken@lemmy.world 111 points 2 weeks ago (10 children)

Sylvester said the couple "made 100% sure Issy was insured to be pregnant, and any complications involving pregnancy whilst we were abroad were covered".

Sylvester explained: "Essentially what they said is that we would have been covered had the baby not survived. But the fact was that the baby survived."

"We weren't going to be covered for that, because we didn't put his name on the insurance policy."

As someone that wouldn't choose to travel into or through the United States, I can't say I would be surprised if I got back home after this ordeal and the medical bills started showing up. US healthcare will charge for anything under the sun. I half expect visitors will be sent invoices for travelling in the vicinity of a hospital in the near future.

[–] justme@lemmy.dbzer0.com 64 points 2 weeks ago (8 children)

The insurance on question is not American, but from their home country. The ridiculous price is American though

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[–] bampop@lemmy.world 100 points 2 weeks ago* (last edited 2 weeks ago) (2 children)

After a nine month legal battle, Zurich has reversed its decision and told the BBC it was sorry for the stress caused.

Yeah, very sorry I'm sure. Oopsie, we accidentally fought a nine month legal battle to avoid paying out the exact thing the insurance is for

[–] Evotech@lemmy.world 40 points 2 weeks ago* (last edited 2 weeks ago) (2 children)

"We've now strengthened and clarified our wording and guidance so other families travelling abroad at this stage of a pregnancy do not have to go through this experience."

TLDR: the next couple is fucked

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[–] awfulawful@lemmy.blahaj.zone 32 points 2 weeks ago

Arguing the care wasn't covered because the baby wasn't named in the insurance despite explicitly covering pregnancy-related care is ghoulish behavior. I can't fathom how you can argue that seriously and not feel like a piece of shit.

[–] InvalidName2@lemmy.zip 91 points 2 weeks ago (3 children)

There's so, so, so, so, so much I could say about this topic.

Number 1: Why are any of you cunts even coming to the USA anymore? Sincerest apologies for victim blaming, and obviously my stupid ass has not read the article (gonna do that later).

Number 2: US healthcare costs are a scam.

Number 3: Healthcare insurance is a gamified scam.

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[–] StraponStratos@lemmy.sdf.org 74 points 2 weeks ago (8 children)

Not trying to victim blame but do not go to America.

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[–] expatriado@lemmy.world 62 points 2 weeks ago (1 children)

used to be anchor babies, now is trapped in debt babies

[–] avg@lemmy.zip 23 points 2 weeks ago (7 children)

Just don't pay, what are they going to do?

[–] Hadriscus@jlai.lu 25 points 2 weeks ago (2 children)

I mean given all I hear it would not entirely surprise me that they would hold the baby hostage, at best

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[–] Randomgal@lemmy.ca 60 points 2 weeks ago (6 children)

I love the 'Achually, you are supposed to beg the hospitals and rely on your insurance shady deals." Comments in this thread.

Just so we are clear, you know the US is the only country with running water that also charges it's citizens to remain alive, right?

This is NOT normal. Not the amount, the situation.

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[–] FanciestPants@lemmy.world 43 points 2 weeks ago (2 children)

"I don't think we've ever sort of lost the feeling that there isn't a wolf at the door".

This captures the current American experience perfectly.

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[–] bassgirl09@lemmy.world 40 points 2 weeks ago (20 children)

Ah yes, the United States -- Don't get sick or you will have to fight tooth and nail to get your insurance company to pay for necessary medical care. This is a story heard over and over again stateside. If the U.S. was truly the best place in the world to live, this would simply not happen. As a person who has worked in healthcare in the U.S. for over 15 years, I feel this in my bones. I am glad you could get legal help and have the right outcome based on what you paid for. I would love nothing more than to see everyone who comes to the U.S. receive medical care appropriately -- Nobody asks to get sick :(

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[–] Avicenna@programming.dev 40 points 2 weeks ago (3 children)

Insurance company trying to evade one job it is supposed to do

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[–] UnderpantsWeevil@lemmy.world 36 points 2 weeks ago (3 children)

My son was born at 24 weeks. Modern NICUs are an absolute marvel. They took this tiny little guy at the cusp of viability to a healthy, happy, normal baby boy over the next three months.

The pricetag for this treatment was half a million dollars. But, fortunately, we were eligible for Medicaid. A sum that would have bankrupted us was neatly covered by the state.

[–] Pyr_Pressure@lemmy.ca 22 points 2 weeks ago (2 children)

Except tax payers now get to send their hard earned money directly to the leeches that work at insurance companies.

No matter if the system works out for individuals with insurance Americans get screwed with the way it is at the moment.

You all need to fight for universal health care so that shit isn't marked up 5000% so that insurances companies make billions for doing nothing but complicate everything

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[–] corsicanguppy@lemmy.ca 22 points 2 weeks ago (1 children)

I was born at 28 weeks 5 decades ago.

$0 .

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[–] lemmydividebyzero@reddthat.com 35 points 2 weeks ago (4 children)

That sucks... Born in the US....

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[–] lambipapp@lemmy.world 34 points 2 weeks ago (6 children)

The US: why is our birth rate so low? Also the US: ...

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[–] Sunflier@lemmy.world 31 points 2 weeks ago (9 children)

That poor child will now have to suffer dual citizenship in the US. That kid's tax stuff will be a PITA when it starts working.

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[–] Asfalttikyntaja@sopuli.xyz 29 points 2 weeks ago (6 children)

So.. that baby is basically came to USA without approval? Should it be detained in the concentration camp or something?

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[–] craftrabbit@lemmy.zip 28 points 2 weeks ago (7 children)

I'm curious, what happens if you just don't pay? What if you just go back home and never come back?

[–] Khrux@ttrpg.network 42 points 2 weeks ago (6 children)

Honestly if you never go back, not much. It wouldn't even impact your credit rating, and your country likely doesn't have the means to enforce it. I could imagine you get harassed by us debt collection agencies but they can't do anything about it either. If you're never returning to the US, it's fine.

You could likely even still holiday in the USA. It won't impact your visa as it's not a criminal offence either.

I'm not a lawyer, and could be totally wrong, but I asked my dad who is also not a lawyer.

[–] KelvarCherry@lemmy.blahaj.zone 26 points 2 weeks ago* (last edited 2 weeks ago) (4 children)

After 7 years without any payment, most debt including medical debt and standard loans are discharged. The non-payment is key. Even sending a cent will restart the obligation to that debt

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[–] badbytes@lemmy.world 25 points 2 weeks ago (4 children)

US health insurance pulled the same shitty tactic on me with my first born.

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[–] SaveTheTuaHawk@lemmy.ca 24 points 2 weeks ago (4 children)

Travel insurance is a scam. I used to pay Allianz for cancellation insurance every trip but the one time I needed to claim it they denied it.

It's not safe to travel to the US while pregnant or sick, they will take everything from you.

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[–] echodot@feddit.uk 22 points 2 weeks ago (3 children)

How's the US still a country, how do people just put up with it.

[–] buddascrayon@lemmy.world 21 points 2 weeks ago (1 children)

Around 50 years of near constant propaganda from our media convincing people that the government paying for anything is destructive to the economy and that taxing rich people more that poor people is not fair.

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[–] BarneyPiccolo@lemmy.today 22 points 2 weeks ago* (last edited 2 weeks ago)

"Hey, man, we told the kid not to be born, that we couldn't afford it, but he wouldn't listen, and went and borned hisself anyhow, without any permission. So that's on him. You have to sue him.

But you can't, because he's a BABY! And you can't sue a baby! BOOM! CHECKMATE, BITCH!"

That'll work in any court in the nation. Don't even need a lawyer, save your money.

[–] gravitas_deficiency@sh.itjust.works 20 points 2 weeks ago (2 children)

Sounds like skipping the bill and never returning to the US is a great option here, tbh

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[–] pelespirit@sh.itjust.works 18 points 2 weeks ago (2 children)

And they wonder why our population is free falling. Between trump and it's too expensive, why would the wise ones do that?

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[–] JcbAzPx@lemmy.world 17 points 2 weeks ago (1 children)

Only $200k? They got a deal there.

[–] graycloud@leminal.space 18 points 2 weeks ago (1 children)

"Why is no one having babies anymore?"

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