How does refusing Dr recommendations effect insurance coverage?

cecilyandgautam

If my Dr or hospital policy says I "must" do something and I refuse, will that affect my insurance coverage? The practice with the highest vbac success rate in the area (96%) practices in a hospital that requires babies go to the nursery for various tests while the mother transitions to the recovery room. But I didn't allow my daughter to go to the nursery while recovering from a c-section (at a different hospital), so I have no idea why sending her to the nursery would be necessary for a vbac recovery. Plus, we declined some of the repeat tests last time and will do the same if the first set of results come out positive again - so I don't want to agree to some blanket "yes, test my baby for whatever you want, see you whenever you're done with her!" 

I plan to refuse - what can they do? Refuse to take me to recovery? I'm thinking of saying something along the lines of "either she comes with me to recovery or we both leave now" but I'm wondering how that will effect billing to my insurance. I mean, they can't keep me against my will and I could walk out if needed, but I'm afraid of what the bill will look like later if I just walked out. Any experience you can share?

(btw - our Ped takes plenty of home birth families so we can get all the tests we need in our Ped's office if we aren't satisfied with the conditions under which the hospital conducts its tests.) 

jesselayne8

Flat out refusing should not affect your insurance but walking out against medical advice could.