Daughter's health ins

[sivart]

Forgive this topic, I know it has nothing to do w/ hunting. I just trust guys info on here more than anywhere else.

We just found out my oldest daughter (turned 18 last Oct) was kicked off our blue cross family plan. Just got a renewal letter, and she wasn't listed. She is healthy (athletic) w/ no real medical issues, minus a couple visits for girl cramp stuff. (I let her mom handle that)

Blue cross won't even tell us why she's ineligible? She's been walking around uninsured for the last 20 days, and I didn't even know it. I had a client tell me that your kids should be allowed on your ins until age 26? Pretty pissed off.

 

[mlob1one]

Actually, most coverages are thru age 24, unless they're married. As far as I'm aware, it was part of Obama care.

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[GSPHUNTER]

It is my understanding children Under 26 should be covered under your insurance. I would call and insist on talking to upper management.

 

[Pickettpuncher]

Private insurance or insurance provided at your work?

 

[Amos Keeto]

We were insured until the ACA came along.
Our insurance went from $250/mo until they wanted an increase from $475/mo to over $800/mo!!!!
NO WAY IN HELL!
We dropped all our health insurance, BUT, we continued paying $400/mo into our gun safe.
The Gov't "gives" you Medicare Pt A. You have to buy Medicare Pt B. We're in our 70's!
Recently, Congress has started allowing health care savings accounts.

In Feb, I go for hip replacement surgery. Their "finance" office turns everything into Medicare.
When they call, I tell them we pay cash. Sometimes it helps.
Sometimes as much as half off.* Sometimes.....it doesn't change anything!
ANYTIME I get a medical bill, I call them immediately, then ask if there is any break or discount for cash or prompt payment. Don't let them kid you, as long as you're paying as little as two or three dollars a month, they have to accept it.
If they don't offer a discount, and you're unhappy anyway, make them take your mini payments until it's paid off.
Most medical offices are so pleased they don't have to deal with insurance company's, they are more than willing to offer a break for "cash-on-the-barrel-head"!

* - I went in for a test procedure. The front office told me that the procedure would be $5,000.00!!!
"How about if we pay cash?" I asked.
She got on her computer, clicked and clacked for a bit, then smiled and said, "That will be $1500!"

 

[roadrunner]

She should still be on there. Sometimes you have to do a status change because she's no longer classified as a dependent under 18.

 

[sivart]

This is our family plan. I don't get insurance thru my work. Wife called bluecross , and all they tell her is that she was dropped and "cannot say why". She was told we have to get her an independent policy.

I'm going to call them Monday.

 

[Wheels]

She will stay on your plan until her 26th birthday. That is part of the ACA.

Young Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families FAQs

www.dol.gov

 

[roadrunner]

This is our family plan. I don't get insurance thru my work. Wife called bluecross , and all they tell her is that she was dropped and "cannot say why". She was told we have to get her an independent policy.

I'm going to call them Monday.

That might be the reason why then.

 

[7mm-08]

Researching the Affordable Care Act could provide you with some ammunition before you make that call. Good luck!

Edit: Sorry, Wheels, I duplicated your link.

Young Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families FAQs

www.dol.gov

 

[sivart]

Thanks for the link, guys. I've read thru it. I learned we weren't insured thru the AHCA. We had a better deal without it w/ a lower deductible. With her getting booted out of that plan, we will have to sign her up for the AHCA.

 

[Swamp Fox]

Thanks for the link, guys. I've read thru it. I learned we weren't insured thru the AHCA. We had a better deal without it w/ a lower deductible. With her getting booted out of that plan, we will have to sign her up for the AHCA.

Thanks, Obama!

 

[def90]

Has she claimed herself as an independant while filing taxes or applying for school aid?

 

[Squincher]

I don't know the legalities of it, but both our children stayed on my employer health insurance until their 26th birthdays despite having their own insurance. No one ever asked about their situation, I just received letters they would come off the 1st of the month following their birthday. We are self insured and my employer does a lot of things benefits wise that go way beyond minimum requirements, so they may have just done it.

 

[tom338]

Call but have your daughter there and put her on the phone so SHE asks the question.

 

[Walmart Greeter]

Any chance she secretly got married?

 

[Pickettpuncher]

Any chance she secretly got married?

That don’t matter. My sister is married and riding on my mother’s insurance.

Thanks for the link, guys. I've read thru it. I learned we weren't insured thru the AHCA. We had a better deal without it w/ a lower deductible. With her getting booted out of that plan, we will have to sign her up for the AHCA.

I could be wrong, but I thought regardless of whether you were on Obamacare or something better, it was a law that they could stay on till 26. Or was that changed when Trump changed some of the rules.

 

[2ski]

Call but have your daughter there and put her on the phone so SHE asks the question.

I agree. Maybe they aren't answering you because she's an adult now and privacy laws and stuff.

 

[Jethro]

This from blue cross shield website.

 

[Walmart Greeter]

That don’t matter. My sister is married and riding on my mother’s insurance.

I could be wrong, but I thought regardless of whether you were on Obamacare or something better, it was a law that they could stay on till 26. Or was that changed when Trump changed some of the rules.

Copy, just throwing out all possibilities