Wendy Moon - Medical bills
Donation protected
The short:
My sister Wendy underwent a Gestational Surrogacy in 2015 for which she has been abandoned by the responsible parties to deal with bills and legal issues since. We ask you to donate and help her out. Anything helps, She owes $70,000!
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The long:
My sister made a gracious choice five years ago to give a single man the chance to fulfill his dream to be a father. She was a Gestational Carrier (surrogate) for him. Shortly after implantation success they found out the egg had split and she was now carrying twins. These twins were high risk due to the fact they shared one placenta but also one sac. This put mom and the babies at high risk. At 24 weeks my sister was required to be a bedrest in the hospital to help monitor the babies with the hope to carry the twins as long as possible. Four weeks later in the middle of the night (at 28 weeks) her water broke. The babies started to be in distress and my sister required an emergency C-section. She was rushed to the OR and the babies were born. The next day my sister was released to go home.
Now for the crappy part, her insurance found a loophole in their contract and is refusing to pay ANY of the medical bills for this pregnancy or hospital stay. Even though she already did a previous surrogacy with this same insurance with no issue, this one is just a larger bill due to complications, and now suddenly they aren't paying it. So my sister has been burdened with paying all the doctors and anesthesia bills through the last five years while going through the proper legal channels to sue the insurance company and make them pay for what they should rightfully pay. She unfortunately has lost both the initial trial and the appeals. All the while paying what she could on the others. The hospital originally told her that if she went the legal route they would write off the balance. Now the time has come for that, and the hospital has changed their minds and won't write off any of it. She also now has a 5 year timeline to get it all paid or she goes to collections. She owes $70,000! And since it has been 5 years, she can't sue the dad for anything, and he has decided it is her problem and isn't willing to pay for any of it.
So I am setting this up in hopes that she can get some help to pay for a medical bill I don't feel she should rightfully have to pay at all.
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The lengthy whole story:
It started with the Intended Parent. He was a single man who always dreamt of being a dad, but was both Catholic and homosexual, which prevented him from having a spouse or any chance of raising his own family. He was on an adoption list, was matched with a pregnant woman, and was nearly at the point of being a father when she backed out and kept the child instead. Devastated, he sought out other options and discovered a wonderful community of women who were compassionate enough to be surrogates. After talking with Wendy and her husband they realized that they got along really well and he trusted that she would do all she could to help him become a father. After drawing up all the necessary legal documents she underwent IVF with an embryo that was the Intended Father’s and a donor woman’s egg. The transplant was successful but ended a few short weeks later due to a spontaneous miscarriage. Heartbroken but not deterred, they tried again and that transfer failed. Deciding to try once more and hoping third time was the charm, they did one final embryo transfer. The transfer worked and Wendy was successfully carrying a child for him.
Shortly into the first trimester the ultrasound doctor discovered that the embryo had split after the transfer and there were two babies in the womb! Excitement and shock dissolved into concern as the doctors ran more tests and realized that the babies were sharing the same amniotic sac and placenta. The pregnancy was extremely high-risk and Wendy was forced to undergo a slew of testing and monitoring. As the babies grew, the doctors decided that Wendy would need to be hospitalized at 24 weeks until the babies were delivered so they could be on the monitors every 4 hours (including throughout the nights). The babies grew and grew and they safely reached 24 weeks. Wendy was admitted to a large hospital in Boise, Idaho (4 hours away from her family in Idaho Falls) the second week of June. While isolated in the hospital, Wendy developed Gestational Diabetes. The meal plan the hospital put her on caused her to start losing weight, which was not safe for her or the babies, so the doctors had to balance her blood sugars without causing undue stress on the babies or on Wendy herself. Four lonely, painful weeks later Wendy’s water broke in the pre-dawn hours. Panicked, the nurses put her on the monitors again and caught both heartbeats drop down to one. The hospital staff flew into motion and Wendy was wheeled straight to an OR to undergo an emergency c-section. The babies were only 28 weeks along.
While being wheeled down the hallways, Wendy attempted to call the Intended Father (who lived in a different state) to let him know what was happening. Reaching only his voicemail, Wendy then called her husband and told him what was happening, begging him to drive to Boise and be with her, and to call the Father and make sure he knew what was going on. Then the doctor took her phone and put her under. When she awoke she was in intense pain and fear, but the nurses assured her that the babies were doing quite well and were both alive, though in the NICU. The father had not been reached, though the nurses had tried to call him throughout the c-section. Aided by medicine, Wendy went back to sleep. When she awoke, her husband and kids arrived and told her that the Intended Father had been reached and was on his way. Many tears were spent by all the parties, some of relief, some of worry, and some of pain, but the girls were responding well considering their early birth. Wendy slowly recovered from her traumatic c-section as well, and was released a week later. The babies were to stay in the hospital until their due date or at least until the doctor’s were satisfied with their progress. Wendy’s family had moved to Utah during her 4 weeks in the hospital as her husband got a job in Salt Lake, so upon leaving the hospital they drove to her parent’s home where her husband and kids had been living. A few months passed and everyone seemed to be recovering and doing well.
Then in October of 2015 a bombshell dropped. Wendy’s insurance denied all claims relating to the delivery and pregnancy citing that they didn’t cover surrogacy pregnancies. Wendy was shocked, because this was the second time she’d been a surrogate under that insurance and they’d covered the first one 100%. Additionally, she’d worked with another girl who had been a surrogate for twins and was on the same insurance, and it had been covered 100% as well. Confused, Wendy tried to gain some understanding and talked to the insurance but they told her they would not cover anything, and that they were recalling some of the bills they’d already paid and she could expect to hear from all the involved doctors demanding payment. Wendy passed each and every bit of information on to the Intended Father, his lawyer, and the Surrogacy agency that represented her. All of them turned their backs on her and left her to face it alone.
The Father, having gotten what he wanted (his babies) refused to respond to her, and instructed his lawyer to be the only point of contact. He washed his hands of her and her troubles. The lawyer told Wendy to “just declare bankruptcy to get out of it”, and said he didn’t think it was the Father’s responsibility. He politely told Wendy she would get nothing from him. The Agency ignored all requests for help and did not respond to any of Wendy’s communication once they realized the situation was turning ugly. Wendy looked at the surrogacy contract drawn up in the beginning to see what the options were, as the bills started coming. In the contract between Wendy and the Intended Father there were specific steps listed in case there was a dispute as to bills and payments. The first step was to do anything and everything to get the insurance to pay, as they should have. After that, the Intended Father was required to pay any remainder. So Wendy got a lawyer and had him challenge the insurance company. The bills totalled just over $80,000 and she was left holding all the responsibility for them.
The court case against the insurance began in early 2016, and Wendy was forced to pay on the medical bills without assistance as it proceeded. Wendy took out a personal loan to get some of the bills paid so she could slim down what she owed to two payments: the personal loan and the largest bill which was from the hospital. The hospital graciously allowed her to set up a payment plan and pay a reasonable amount each month, stating that if she lost the court case that they would write-off the remainder. Four years later the case was determined to be a loss, as well as the subsequent appeal to the lost case was also lost. There was no hope for the insurance to be held responsible for their wrong-doing. Wendy reached out to the hospital and sent along the two case losses information, and to her devastation the financial manager in charge was someone new. Someone who didn’t care for Wendy’s plight, and refused to honor the verbal agreement to write-off the remainder. The financial manager stated she had to pay it in full, and would only extend the length of payment for 5 more years max.
Turning once again to the contract, Wendy reached out to see what legal options there were available. And once again, Wendy has met despair. Her lawyer has informed her that she is helpless now. There is a “statute of limitations” which prohibits anyone from taking action against someone else based on a contract after 5 years. The surrogacy contract was signed in 2014 before the first IVF transfer. So due to the length of time that passed as Wendy tried to follow the contract specifications and pursue the insurance route, she is not unable to legally hold the Intended Father to his responsibility and pay the medical bills. She is stuck - trapped with bills and fees that should never have been her responsibility.
Wendy does not hope to recover her loses, just to be freed from what is left. All she wanted to do was to help someone fulfill their dream of becoming a parent. And in reward she and her family are suffering. The emotional toll on her and her family has been immense. She just wants to be free of this weight, this back-handed slap in the face for trying to be a good person.
So she needs your help. She still owes the hospital $70,000 for a bill that should never have been hers.
Thank you.
My sister Wendy underwent a Gestational Surrogacy in 2015 for which she has been abandoned by the responsible parties to deal with bills and legal issues since. We ask you to donate and help her out. Anything helps, She owes $70,000!
*
The long:
My sister made a gracious choice five years ago to give a single man the chance to fulfill his dream to be a father. She was a Gestational Carrier (surrogate) for him. Shortly after implantation success they found out the egg had split and she was now carrying twins. These twins were high risk due to the fact they shared one placenta but also one sac. This put mom and the babies at high risk. At 24 weeks my sister was required to be a bedrest in the hospital to help monitor the babies with the hope to carry the twins as long as possible. Four weeks later in the middle of the night (at 28 weeks) her water broke. The babies started to be in distress and my sister required an emergency C-section. She was rushed to the OR and the babies were born. The next day my sister was released to go home.
Now for the crappy part, her insurance found a loophole in their contract and is refusing to pay ANY of the medical bills for this pregnancy or hospital stay. Even though she already did a previous surrogacy with this same insurance with no issue, this one is just a larger bill due to complications, and now suddenly they aren't paying it. So my sister has been burdened with paying all the doctors and anesthesia bills through the last five years while going through the proper legal channels to sue the insurance company and make them pay for what they should rightfully pay. She unfortunately has lost both the initial trial and the appeals. All the while paying what she could on the others. The hospital originally told her that if she went the legal route they would write off the balance. Now the time has come for that, and the hospital has changed their minds and won't write off any of it. She also now has a 5 year timeline to get it all paid or she goes to collections. She owes $70,000! And since it has been 5 years, she can't sue the dad for anything, and he has decided it is her problem and isn't willing to pay for any of it.
So I am setting this up in hopes that she can get some help to pay for a medical bill I don't feel she should rightfully have to pay at all.
*
The lengthy whole story:
It started with the Intended Parent. He was a single man who always dreamt of being a dad, but was both Catholic and homosexual, which prevented him from having a spouse or any chance of raising his own family. He was on an adoption list, was matched with a pregnant woman, and was nearly at the point of being a father when she backed out and kept the child instead. Devastated, he sought out other options and discovered a wonderful community of women who were compassionate enough to be surrogates. After talking with Wendy and her husband they realized that they got along really well and he trusted that she would do all she could to help him become a father. After drawing up all the necessary legal documents she underwent IVF with an embryo that was the Intended Father’s and a donor woman’s egg. The transplant was successful but ended a few short weeks later due to a spontaneous miscarriage. Heartbroken but not deterred, they tried again and that transfer failed. Deciding to try once more and hoping third time was the charm, they did one final embryo transfer. The transfer worked and Wendy was successfully carrying a child for him.
Shortly into the first trimester the ultrasound doctor discovered that the embryo had split after the transfer and there were two babies in the womb! Excitement and shock dissolved into concern as the doctors ran more tests and realized that the babies were sharing the same amniotic sac and placenta. The pregnancy was extremely high-risk and Wendy was forced to undergo a slew of testing and monitoring. As the babies grew, the doctors decided that Wendy would need to be hospitalized at 24 weeks until the babies were delivered so they could be on the monitors every 4 hours (including throughout the nights). The babies grew and grew and they safely reached 24 weeks. Wendy was admitted to a large hospital in Boise, Idaho (4 hours away from her family in Idaho Falls) the second week of June. While isolated in the hospital, Wendy developed Gestational Diabetes. The meal plan the hospital put her on caused her to start losing weight, which was not safe for her or the babies, so the doctors had to balance her blood sugars without causing undue stress on the babies or on Wendy herself. Four lonely, painful weeks later Wendy’s water broke in the pre-dawn hours. Panicked, the nurses put her on the monitors again and caught both heartbeats drop down to one. The hospital staff flew into motion and Wendy was wheeled straight to an OR to undergo an emergency c-section. The babies were only 28 weeks along.
While being wheeled down the hallways, Wendy attempted to call the Intended Father (who lived in a different state) to let him know what was happening. Reaching only his voicemail, Wendy then called her husband and told him what was happening, begging him to drive to Boise and be with her, and to call the Father and make sure he knew what was going on. Then the doctor took her phone and put her under. When she awoke she was in intense pain and fear, but the nurses assured her that the babies were doing quite well and were both alive, though in the NICU. The father had not been reached, though the nurses had tried to call him throughout the c-section. Aided by medicine, Wendy went back to sleep. When she awoke, her husband and kids arrived and told her that the Intended Father had been reached and was on his way. Many tears were spent by all the parties, some of relief, some of worry, and some of pain, but the girls were responding well considering their early birth. Wendy slowly recovered from her traumatic c-section as well, and was released a week later. The babies were to stay in the hospital until their due date or at least until the doctor’s were satisfied with their progress. Wendy’s family had moved to Utah during her 4 weeks in the hospital as her husband got a job in Salt Lake, so upon leaving the hospital they drove to her parent’s home where her husband and kids had been living. A few months passed and everyone seemed to be recovering and doing well.
Then in October of 2015 a bombshell dropped. Wendy’s insurance denied all claims relating to the delivery and pregnancy citing that they didn’t cover surrogacy pregnancies. Wendy was shocked, because this was the second time she’d been a surrogate under that insurance and they’d covered the first one 100%. Additionally, she’d worked with another girl who had been a surrogate for twins and was on the same insurance, and it had been covered 100% as well. Confused, Wendy tried to gain some understanding and talked to the insurance but they told her they would not cover anything, and that they were recalling some of the bills they’d already paid and she could expect to hear from all the involved doctors demanding payment. Wendy passed each and every bit of information on to the Intended Father, his lawyer, and the Surrogacy agency that represented her. All of them turned their backs on her and left her to face it alone.
The Father, having gotten what he wanted (his babies) refused to respond to her, and instructed his lawyer to be the only point of contact. He washed his hands of her and her troubles. The lawyer told Wendy to “just declare bankruptcy to get out of it”, and said he didn’t think it was the Father’s responsibility. He politely told Wendy she would get nothing from him. The Agency ignored all requests for help and did not respond to any of Wendy’s communication once they realized the situation was turning ugly. Wendy looked at the surrogacy contract drawn up in the beginning to see what the options were, as the bills started coming. In the contract between Wendy and the Intended Father there were specific steps listed in case there was a dispute as to bills and payments. The first step was to do anything and everything to get the insurance to pay, as they should have. After that, the Intended Father was required to pay any remainder. So Wendy got a lawyer and had him challenge the insurance company. The bills totalled just over $80,000 and she was left holding all the responsibility for them.
The court case against the insurance began in early 2016, and Wendy was forced to pay on the medical bills without assistance as it proceeded. Wendy took out a personal loan to get some of the bills paid so she could slim down what she owed to two payments: the personal loan and the largest bill which was from the hospital. The hospital graciously allowed her to set up a payment plan and pay a reasonable amount each month, stating that if she lost the court case that they would write-off the remainder. Four years later the case was determined to be a loss, as well as the subsequent appeal to the lost case was also lost. There was no hope for the insurance to be held responsible for their wrong-doing. Wendy reached out to the hospital and sent along the two case losses information, and to her devastation the financial manager in charge was someone new. Someone who didn’t care for Wendy’s plight, and refused to honor the verbal agreement to write-off the remainder. The financial manager stated she had to pay it in full, and would only extend the length of payment for 5 more years max.
Turning once again to the contract, Wendy reached out to see what legal options there were available. And once again, Wendy has met despair. Her lawyer has informed her that she is helpless now. There is a “statute of limitations” which prohibits anyone from taking action against someone else based on a contract after 5 years. The surrogacy contract was signed in 2014 before the first IVF transfer. So due to the length of time that passed as Wendy tried to follow the contract specifications and pursue the insurance route, she is not unable to legally hold the Intended Father to his responsibility and pay the medical bills. She is stuck - trapped with bills and fees that should never have been her responsibility.
Wendy does not hope to recover her loses, just to be freed from what is left. All she wanted to do was to help someone fulfill their dream of becoming a parent. And in reward she and her family are suffering. The emotional toll on her and her family has been immense. She just wants to be free of this weight, this back-handed slap in the face for trying to be a good person.
So she needs your help. She still owes the hospital $70,000 for a bill that should never have been hers.
Thank you.
Organizer and beneficiary
Lori Chabries
Organizer
Omaha, NE
Wendy Moon
Beneficiary