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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-8

u/whorl- Apr 10 '25

Not covering L&D for dependents is some evil shit. What is wrong with us.

11

u/Concerned-23 Apr 10 '25

Eh except for instances of rape or when an abortion was sought out and not obtained I disagree. 

If you’re old and responsible enough to have a child then you’re responsible enough to have your own insurance coverage. Definitely should be responsible enough to check insurance coverage 

-8

u/whorl- Apr 10 '25

The ACA requires parents insure their adult children until age 26. That insurance doesn’t end simply because their kid sex. Like that’s not healthcare.

10

u/Concerned-23 Apr 11 '25

It does not require parents to keep their child on their insurance. It requires them to have the option to stay on the plan. 

If you’re having a child of your own, you should be getting insurance of your own. For OPs very situation