If you are a United Healthcare member and your child is a patient at Johns Hopkins All Children's Hospital, you will likely have to start paying out-of-network costs.

Both organizations blame failed contract negotiations for the issue.

But don't panic just yet. Like most things in life, there are exceptions to the rule.

Starting with children who are already in-patients, their coverage will continue at the in-network rate for up to six more months.

If your child is receiving treatment for a chronic or acute health condition, they also have up to six more months of those in-network rates.

But don't assume everyone is on the same page as you. You still need to apply for "continuity of care."

The form is on this website, set up by United Healthcare to answer your questions.

Examples of conditions that don't qualify include some that may surprise you, like diabetes and asthma that are stable.

The application itself can also be a bit time consuming. After all, it's paperwork, a word not often associated with quick and easy.

A portion of it must be filled out by the doctor. You must include medical records and (as of Friday) you only have 29 days left to do it.

For those who don't qualify for this so-called grace period, United Healthcare sent us this list of nearby facilities that are in network: It includes Tampa General, St. Joseph's, St. Anthony's and Morton Plant hospitals.

Meanwhile, if you are a pregnant patient, you can continue seeing your OBG-YN and still have your baby at the hospital if you passed the 12-week mark by May 11.

If you need any clarification, United Healthcare recommends calling customer service. The number is on the back of your ID card.