30k Labor and delivery bill

[u/Successful_Job5797]

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

[u/Berchanhimez]

Why do you think there would be legal action you can take? I am not trying to be rude or offensive by asking this, but I'm curious what legal standing you think you have here.

Ultimately, it was your responsibility to understand the plan benefits and confirm them before you had the services provided. It's extremely common that plans only cover labor/delivery for the actual insured member and/or their spouse or adult partner. Not for children of the insured member - because your child isn't going to be eligible to be put on their grandparents' plan anyway.

It's not the hospital's responsibility to know the ins/outs of every different insurance policy out there.