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/whorl-]

If they pay for coverage, they should get the full coverage. Of course L&D should be covered. Should STI tests and treatment not be covered? Should a broken ankle not be covered if it happened while drunk?

[u/Concerned-23 → u/whorl-]

I pay for full dental coverage but can’t get orthodontics as an adult. Only children can on my plan. It’s very clearly written as a plan exclusion. 

Plans can exclude whatever they want 

[u/whorl- → u/Concerned-23]

That’s fucked up and we shouldn’t be okay with or championing those policies. Your orthodontist is who should decide if you get braces.

But that’s also not applicable to this at all.

Not having braces won’t kill anyone.

A lack of maternal care kills women every day.

[u/Concerned-23 → u/whorl-]

That’s the reality of insurance tied to an employer. Employer exclude things because it’s costly for them and they heavily subsidize the premiums

But also if you’re having  child you are hopefully working so you should be on your own plan.