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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24

u/16enjay Apr 10 '25

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

4

u/PotentialDig7527 Apr 10 '25

That makes no sense. The pregnancy part isn't billed until after the delivery, it's all on one bill, one fee.

11

u/marrymeodell Apr 11 '25

All of my prenatal appts were billed separate from my delivery. Even for my delivery I received like 3 different bills between the hospital, the doctor, the anesthesiologist.

0

u/Concerned-23 Apr 11 '25

This is very uncommon. Global billing is typically done for prenatal care

2

u/marrymeodell Apr 11 '25

I had no idea! I moved across the country at 33 weeks and both offices I’ve been to did not have global billing

1

u/[deleted] Apr 11 '25

[deleted]

2

u/PotentialDig7527 Apr 11 '25

This is correct. The reimbursement depends on how many visits,