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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25

u/16enjay Apr 10 '25

Under 26 but on parents policy, pregnancy part may be covered, but not labor and delivery or newborn

3

u/Alternative-Sweet-25 Apr 10 '25

The labor and delivery is typically covered but not the baby

14

u/LawfulnessRemote7121 Apr 10 '25 edited Apr 11 '25

A lot of insurance plans do not cover maternity care for dependents. And none will cover care for children of dependents.

-16

u/Alternative-Sweet-25 Apr 10 '25

Yes they do.

1

u/Powerful_Dingo258 Apr 11 '25

Right. I don’t know if this is the norm, but my insurance policy covers my dependents and a grandchild for up to 18 months.

3

u/Informal-Lynx4583 Apr 11 '25

This is not the norm for grandchildren unless you have guardianship of the child.

1

u/Bibliophilewitch Apr 12 '25

We have UHC and they don’t for us. We would have to have custody of grandchild.