I don’t have the details of your sisters insurance plan (I dont think, at lwast) so I can’t say what specifically happened. I can say that that is remarkably rapid, far faster than is required under the Newborns act, so I suspect there were either some complciating factors or an abnormal degree of urgency on the part of the hospital billing department that I cannot address. Unfortunately anecdotes that rely on PHI are difficult to diagnose wile maintaining privacy of the person in question.