IN THE UNITED STATES
CIVIL MATTER

Plaintiff

v.

Defendant

Bing Travers and Stella Tribe complained to Pieces after they were charged because of a profit from their stock.

Pieces: This was somewhat of a setback for you?
Ms. Tribe: We were so happy with the addition!
Pieces: If you were so happy, why are you here?
Mr. Travers: Because they didn't want to make good on payment, they only wanted to give us partial reimbursement.
Pieces: Well there are brokers fees involved which is why they wanted so much money.
Ms Tribe: That's when I knew I was goin in, it broke something fierce.
Pieces: You really have to be careful, or putting it mildly- be financially stable to do this sort of thing.
Mr. Travers We though we did everything to prepare for this. We didn't have a lot of help and now that the bundle is here it's all we think about.
Pieces: This experience has taught you, how things can happen when you work at them over time.
Ms. Tribe: Oh yeah! We took our time and believe me we really didn't consider it work, and by no means did we rush through it.
Pieces: But, you should have put more thought into this and think about what can go wrong before jumping right in.
Mr. Travers: All I can remember was gettin those digits and goin for it afterwards. Which really wasn't much of a challenge.
Ms Tribe: You soo bad! But look at the ROI I shot back at ya!
Mr. Travers: Easy there Ms. Tribe how is our ROI gonna get us out of this?
Pieces: Are you two finished bickering? This is really a small profit you made and to complain about the matter furthur may cost you more.
Ms. Tribe: But our son means the world to us and it saddens us that the hospital runied our happiness by making us responsible for payment.
Pieces: Your son!
Mr. Travers: Yes, the stork brought us a son and we filed a claim with the insurance company and now they want us to pay out of our own pocket.
Pieces: I will return with a decision.

ANALYSIS

Baby Travers was born to an unmarried couple. The insurance comapny of Ms.Tribe stipulates that if there is another payer available for payment that Ms. Tribe and baby Travers are insured under then that company will be the primary insurance company responsible for payment. It was discovered that because Ms. Tribe was giving birth baby Travers was insured under both insurance plans. Those were Ground Round the insurance company of his mother and Nest Egg Insurance company which is that of his father's. Therefore the two claims submitted as primary were the result. The hospital took both claims in consideration of payment and decided that Mr. Travers insurance of Nest Egg was responsible for the birth of baby
Travers. However, Nest Egg will only reimburse after payment was rendered to the hospital, facility, physician ect. Meaning Mr. Travers must pay the bill first and seek reimbursement which is paid at 70% from the insurance company second. Mr. Travers neglected to pay the bill for the birth of his son and the bill was therefore sent to collection. Ground Round a government policy paid it's obligation as secondary of 30% leaving Mr. Travers to pay the remaining $1100 due which does not include interest to the collection agency. Although Mr. Travers states that the birth should have been covered by Ground Round because it was that of Ms. Tribe's insurance and she was the one in the hospital not him.

Pieces: Mr. Travers you have a family policy that allows for coverage of dependents. Stop being the itemizing pig that cried all the way home.

IT IS THEREFORE ORDERED, that Mr. Travers pay the hospital balance including interest to the collection agency. He may then seek reimbursement for his claim from his insurance company afterwards.

Dated: October 5, 2009                    A. Sadiq                     
                                                      On Behalf of Pieces