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Oh, absolutely. When we had our kids both times we were hit with out of network anaesthesiologist bills. We fought it and won because we didn't have a choice and when you have no choice it's supposed to be covered. It took a few months to get an answer and is incredibly stressful and absolutely not something we should be worrying about after child birth, but welcome to America I guess... you hear about countries where the mother gets monthly care packages and at home wellness checkups on top of like 12 months off and I just get the extra stress of a 3k bill I may be held accountable for if I can't complain hard enough on top of my wife having to go back to work in 1 month because you either don't get paid or the few states that do takes over a month to get the first payment and it's basically half of what you normally get. And that 1 month seems to be luckier than most since I've heard stories of people only allowed 1 to 2 weeks tops.
Honestly, if I wasn't so established with life, career, friends, and also had financial freedom I really think if I had the ability to start over I would 100% be out of here... I know nowhere is perfect, but at least most don't want to kick you when you're down either.