Check your credit. My second son was born a month early and spent 3 days in the NICU. 3 years later I was getting fresh bills from doctors I couldn't remember. Spent another year arguing with the hospital, the doctors and the facilities people(hospital and floor space and doctors all are different bills!!!!!). After a year they "wrote off the bills" what they actually did was stopped chasing me or accepting my calls, and put a knock on my credit report for the debt. it was another year of fighting those.