Mikkel and Kayla Kjelshus’ daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill — $207,455 for the NICU alone — and confusion over which parent’s insurer would cover the little girl’s health costs….

“If these are the rules of engagement, you need to tell people upfront that these are the rules,” says Dr. Linda Burke, OB-GYN and author of The Smart Mother’s Guide to a Better Pregnancy. “It’s a communication problem.”

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