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/here4cmmts Apr 10 '25

This is typically the case. If the new mom is on her parent’s insurance, only the child of the policy holder is covered for delivery. So your GF might have been covered unless it was excluded. Do you have insurance? Can the babies portion be covered on your health insurance?

I’ve even heard many state coverages don’t cover in other states. Examples given were ER visits not being covered while on vacation to another state. So if GF is in Baltimore and policy is in OK this could also be why it’s being denied.

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u/LivingGhost371 Apr 10 '25

A lot of times deliver isn't even covered for children of dependents, to say nothing of anything for the grandkid not being covered. The policies we have it seems about half and have as to whether the kid is covered, I don't know a single one where the grandkid is.