I have a question ... I haven't yet written up our birth story. All things considered it was perfect and beautiful, but there is one issue that I can't seem to reconcile. I am hoping that this community might be able to help me find some answers.
What are a patients rights around discharging against medical advice (AMA) following a hospital birth?
My home birth plan turned into a hospital induction and delivery at a facility that has a 24 hour discharge policy. I wanted to go home after the birth, but they weren't willing to budge and told us that our insurance might not pay if we signed out AMA. We called our insurance and were told they would probably pay, but that we would have to submit the claim in order to find out. We ended up staying the full 24 hours, but it has left me feeling slightly bullied and ignorant about my rights.
I am just wondering what the facts are about the implications of discharging AMA.
Or if others have experienced anything similar.
thanks!
*****
UPDATE:
I contacted the California Department of Insurance with my question, mostly because I want to know my rights in case I ever end up in a different situation and want to leave AMA. Their response is pasted below:
Thank you for your inquiry to the California Department of Insurance (CDI) regarding the referenced subject matter.
The insurance company would have to cover the birth of the child as long as it is a covered benefit. If they refuse to cover the benefit you would file a complaint with the Department of Insurance called an Independent Medical Review. Your treatment would be considered medically necessary. The main problem you may have is if you discharge yourself against medical advice any complications that arise as a result of this may not be covered or covered at a lesser benefit level. Some policies may have riders that contain language stating that if you discharge yourself and do not comply with the recommendations from your physician your policy may limit future benefits that pertain to any complications relating to early discharge. Insurance companies have to comply with Federal law and allow women to stay 48 hours after a normal childbirth or 96 hours after a cesarean has been performed. Most complications to the mother and child occur within the the initial two days after delivery and the goal is not to force women to be pushed out of the hospital too soon. I'm sure you are aware of this, but ultimately nothing can prevent you from rejecting medical care or leaving the hospital.
We hope this information has been of help. If we can assist you in the future with an insurance problem, looking for insurance or provide information you may contact us through the e-mail system or you may reach our Consumer Communications Bureau at 1-800-927-HELP.