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/16enjay Apr 10 '25

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

6

u/Alternative-Sweet-25 Apr 10 '25

The labor and delivery is typically covered but not the baby

1

u/Bibliophilewitch Apr 12 '25

That’s how ours works for my adult daughter. Labor & delivery was covered, but not grandbaby. The hospital told her though and the social worker helped her with applying for medicaid for him.