r/HealthInsurance • u/Successful_Job5797 • Apr 10 '25

Employer/COBRA Insurance 30k Labor and delivery bill

Location: Baltimore My girlfriend had our son at Mercy Hospital in Baltimore. We’ve been going there the whole pregnancy no issues. We ended up getting a bill for 30k and they told us her insurance didn’t cover anything. She’s on her mom’s insurance plan which is blue cross Oklahoma. Apparently somewhere in the plan it states grandkids labor isn’t covered. Nobody told us or warned us the entire time we went there. Is there anything we can do or any legal action that can be taken? I understand we should’ve read into it more but we had no idea that was a thing.

My post got removed, is there anything legal I can do? Thank you

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u/Reason_Training Apr 10 '25

BCBS plans are billed global after the delivery. If the medical provider she’s been going to did not specifically check if dependent pregnancy was covered they could not tell you before billing that it would not be covered. She needs to apply for Medicaid ASAP to see if they will cover the pregnancy and newborn. Otherwise she’ll need to talk to financial services department to see if they have charity available to help cover it or make a long term payment plan.

7

u/[deleted] Apr 11 '25

Medicaid should back date three months!

7

u/Brooooooke30 Apr 11 '25

Yes apply for Medicaid

5

u/Soulinx Apr 12 '25

Also, Maryland has MCHP:

The Maryland Children's Health Program (MCHP) provides free coverage to eligible uninsured children whose family earns too much money to get Medicaid, but not enough to afford private health insurance. Your child may be eligible for Medicaid or MCHP even if you are not.

https://health.maryland.gov/mmcp/chp/pages/home.aspx

1

u/ariavi Apr 13 '25

All states have chip.