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DH and I just adopted a beautiful, healthy baby boy last month. We are in Utah. My DH is about to lose his job (lay-offs), along with his health insurance. We could do COBRA, but it's SO EXPENSIVE!! I called around today to see how much it would cost us to get a family policy set up on our own, and NONE of the companies will take us. We are PERFECTLY HEALTHY, but they refuse to write our policy because we have to answer "yes" to the question "Do you intend to adopt a child in the next five years?" They won't even give us a plan with huge rates ... they just flat out refuse us on the spot because they don't want to have to pay the Utah State-mandated $3,250.00 adoption indemnity benefit.
What do all you Utah adoptive parents do for health insurance coverage?? They will write a separate policy for baby alone, but then DH and I wouldn't have health insurance!!
Help please!
Amy :)
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Unfortunately it is legal. Just like health insurance companies can refuse to cover you if you have a certain disease or illness ... they are treating our inability to have biological children as a disease. It really sucks.
Also ... what about just covering baby and having DH and I go without health insurance? That would freak me out ... but I don't know what else to do!
I am really sorry that this has happened to you!
No, I would never go without health insurance because when you don't have it is when you would probably need it. That is how it usually is, you know.
If you have no other options, I would say buy the COBRA until he gets another job. I know it is expensive, but I would rather pay for it than be without it. I think you can stay on COBRA for 18 months.
Good Luck!!
Kathi
:)