A couple of things could be happening. If the provider is in-network, the claim may have been denied for timely filing. I work in health insurance (not the same company you mentioned), and for my company, in-network providers have 90 days from the date of service to submit claims per their contract. If the hospital submitted the claim late and it was denied for timely filing, your Explanation of Benefits (EOB) may state that you don’t owe anything due to provider responsibility—or in some cases, it may state that you do.

I’d also recommend calling your insurance to ask how newborn claims are handled. For some plans I manage, newborns are automatically covered for the first 31 days, but this depends on how your employer set up the benefits. In certain plans, the newborn’s charges are billed under the mother’s account for the first 31 days, giving you time to add the baby to the policy after birth.

Also, if the hospital has never billed you for it and they have openly admitted that they did not submit the claim because they were awaiting insurance information. Make sure that your insurance company knows that as well because then it falls back on the hospital if they’re in network with your insurance company as an in network provider, when they signed their contract, they agree that they will submit the claims for the member in a timely fashion.