B. Physicians' expense for surgery and childbirth

Most surgeons and obstetricians bill patients an all inclusive package charge intended to cover all services associated with the surgical procedure or delivery of the child. All expenses for surgical and obstetrical care, including preoperative/prenatal examinations and tests and postoperative/ postnatal services are considered incurred on the date of surgery or delivery, as appropriate. This policy applies whether the physician bills on a package charge basis or itemizes the physician's bill separately for these items. See HI 00601.005 .

Occasionally, a physician's bill may include charges for additional services not directly related to the surgical procedure or the delivery. Such charges are considered incurred on the date the additional services are furnished.

The above policy applies only where the charges are imposed by one physician or by a clinic on behalf of a group of physicians. Where charges are imposed by more than one physician for surgical or obstetrical services, all preoperative/prenatal and postoperative/postnatal services performed by the physician who performed the surgery or delivery will be considered incurred on the date of the surgery or delivery. Expenses for services rendered by other physicians will be considered incurred on the date they were performed.