Becky, Living in Minnesota we are faced with the same scenarios. I called an insurance company last year to see if we could keep a mom and baby for another 24 hours because the baby was not feeding. I was told no and if we were that concerned about the baby's inability to feed they would pay for in-home IV therary!!!! If there are any orthopedic nurses out there no offense but the woman I spoke to had an orthopedic background but triaged for OB for this insurance company. Cheryl Stuhldreher