I don't have the details of your sisters insurance plan (I dont think, at least. Maybe someone slipped them to me when I wasn't looking) so I can't say what 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 while maintaining privacy of the person in question. They may simply have been forcing all the adminsitrative stress asap so she could focus on the whole "nicu baby" thing.