Advice: Infant claims keep getting rejected from birth

Hi! Any and all advice/guidance is most welcome, thank you in advance for your time.

My husband and I had our first baby in October. All of the charges (approx $9,000 ) stem from al 4 day hospital stay following a c section (no NICU).

My husband’s company has a third party HR management team that handles health insurance etc. That team/company apparently incorrectly put in my sons information when adding him to our policy. My husband added him to our policy 2 weeks after his birth and that has become his “eligibility date” instead of his actual birthday which is what it is supposed to be by law. We have put in an appeal to get that changed but have heard nothing back.

Regardless it took MONTHS to shake the tree enough with the providers, our insurance company, and the middleman to figure out that was what was going on. For like 3 months they were telling us oh ok all set! And then we would get the bills again still not adjusted for insurance coverage. And then one lady told us our child’s birth was not a life event.

Our insurance company, Cigna has told us on multiple occasions, “well- it’s ok because your son is covered under the mothers policy for the first 31 days of life.” More back and forth with the hospital billing department and they are STILL being rejected by Cignas claims department. We have spent dozens of hours on the phone with Cigna, the hospitals, and my husbands HR. After each conversation we are told we need to wait 30-45 business days to see anything get processed but they still don’t actually process it and now another month has gone by! Currently, one of the bills has been sent to collections because of this shitshow.

The doctors’ offices/hospitals billing departments have also reached out multiple times and are getting the run around from Cigna as well.

I am at a loss, this has me so stressed and every time I talk to someone it is back to square one and then have to wait hours to speak with a “supervisor” who still does nothing. I am so discouraged, I feel like they make it purposefully difficult so people just give up and pay out of pocket.

One customer service rep, after I asked her if my son was the first baby Cigna has ever covered told me that this is a common problem and that whoever(or whatever) is not looking at them carefully and just seeing that my name does not match my sons name and then rejecting it.

Thanks in advance for your time.