hawaiian hospital. reese was born nine weeks early. she spent two months in intensive car. the hospital bill is $950,000. >> that makes you sick to your stomach. who -- who can -- who can pay a million-dollar medical bill? who can afford that? >> reporter: blue cross will not cover any of the bill saying jennifer had a pre-existing condition. ms. huculak was diagnosed and treated for a high-risk pregnancy in the six months prior to departure. as ms. huculak is currently hospitalized and being treated for this high-risk pregnancy, any expenses incurred are not eligible under the terms of her policy. jennifer argues she did not have a high-risk pregnancy. she had a bladder infection which led to bleeding, but her and her baby were fine. >> the specialist in hawaii said these just happen. there's nothing that causes them. >> reporter: her specialist at home wrote to blue cross saying the bladder infection did not lead to early labor, but her coverage was still denied. she says her blue cross pamphlet had no fine print about pre-existing conditions. >> it's a very sad situation to