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SULLIVAN, MO (KTVI) – Jeannie Radford cherishes every moment with her two-year-old daughter, Josie. Jeannie doesn’t take Josie’s smiles and laughs for granted, given the way she entered the world.

On July 15, 2014, Jeannie was rushed to a Sullivan, Missouri hospital; one that was unequipped to care for a premature baby. Once stable, doctors ordered that Jeannie be airlifted more than 60 miles to Barnes Jewish Hospital in St. Louis.

“I was scared; I was nervous,” Radford said. “I didn’t know what to expect. I didn’t know how she would be; if she would have complications.”

Despite weighing just 3 pounds and 15 ounces when she was born, Josie is now a happy and healthy toddler. Unfortunately, this happy family recently received some heartbreaking news.

Radford was denied a home loan due to a major ding to her credit report. The lender informed her she was in collections, owing more than $50,000 for the emergency helicopter ride.

“I was shocked. Are you kidding me?” she said.

Radford said it was the first time she’d heard anything about the bill. When she contacted her insurance company, Anthem Blue Cross Blue Shield, she said a representative told her the company was not paying the bill because it determined it wasn’t medically necessary for her to be airlifted.

If Jeannie Radford’s case isn’t medically necessary, what is? Contact 2 asked Anthem Blue Cross Blue Shield that very question. The company told us it wouldn’t comment on pending litigation.

Radford said she’s hired an attorney and plans to fight this in court. We’ll keep you posted on what happens. In the meantime, Jeannie’s plan to improve life for her family is on hold.

“All of this I’ve done to try to get my kids a house; something that can be ours. Our forever home or whatever, and it just got shattered,” Radford said.