Sorry to hear about your baby.It would be advisable to file a bad faith claim against the insurance company for its denial of covering medical expenses for a baby that lived for three days and did not have a Social Security Number.  You should also file a complaint with your state's Insurance Commissioner.  File the complaint with the Insurance Commissioner before pursuing a bad faith claim because the bad faith claim is expensive in terms of legal fees unless you find an attorney willing to take the case on a contingency fee basis which means attorney is paid a percentage of the amount recovered.  The bad faith claim will be time-consuming.Another alternative would be to file bankruptcy.  If you are eligible to file Chapter 7, the medical bills can be eliminated.  Chapter 7 bankruptcy is straight liquidation which will eliminate the medical bill debt.