“If you lose this appointment, your reserved bed in the private maternity wing at St.

Jude goes back into the county pool,” Brenda said.

“I can’t hold that room without a valid billing code.”

“Who signed the cancellation waiver?” I asked.

Brenda clicked her pen against her clipboard three times.

“The electronic signature stamp matches an account registered to the Vance Family Charitable Trust,” Brenda said.

“Is there a second review window?” I asked.

“Not for nonpayment,” Brenda said, sliding my insurance card back across the counter.