"My son was diagnosed with congenital CMV, a virus that can cause hearing loss. As part of this diagnosis, he will be required to have routine hearing tests every few months until he is 10 years old. I reached out to you because I wanted to know why my son's hearing tests weren't covered by our insurance and why we needed to pay for it."

— Anna Deutscher, 29, from Minnesota, writing about her infant son, Beckham

Trying to figure out why her claim was denied took Anna Deutscher a lot of time and work.

Baby Beckham's hearing screenings were preventive care, which is supposed to be covered by law. Every hearing test cost them about $350 out of pocket. Between those bills and Beckham's other health costs, the family maxed out two credit cards.

"Everything just immediately goes right to try

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