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/PotentialDig7527 Apr 10 '25

I'm confused. The daughter is in labor, not the grandchild. I can understand not covering the baby, but unless your GF is on her GRANDMOTHER's plan, she should be covered for the delivery.

8

u/Concerned-23 Apr 10 '25

Having a baby is very expensive. Many insurances don’t want to cover it for adult dependents (aside from spouse) so it can be excluded for child dependents. 

2

u/PotentialDig7527 Apr 10 '25

OP is saying they won't cover the grandchild. Mother gets a global bill for pregnancy and delivery, baby has completely separate charges. So it's unclear whether they are denying the Mom or the baby's charges or both.

3

u/Queen_Aurelia Apr 11 '25

I assumed the OP meant that the insurance won’t cover the delivery costs for a grandchild of the policyholder being born.