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I'm not sure where to post this but thought I would start on this thread with the hope that it would be useful for anyone who is considering their options. When helping our daughter to decide what to do about her unplanned pregnancy, the problem of health insurance and medical care for her baby loomed large in our considerations. When our daughter decided to keep her baby, my husband and I decided to "bite the bullet" and pay to have our grandson added to our daughter's insurance plan which we picked up under my company coverage when she turned 22. We are talking over $700/month for the 2 of them. Fast forward 9 months later, and I get a memo in the company mail about health benefits for children being fostered by employees. So, I marched over to or personnel office and asked the following questions: "My daughter and grandson live with me and my husband while she goes to school so can I put my grandson on my health insurance dependent plan?" Answer - No. "If my daughter turns my grandson over to the state and he is put into foster care and is fostered by one of our employees, can that employee put my grandson on their health insurance dependent plan." Answer - Yes. "Can we to talk to the legal staff about this?" Answer - Ahh, here sign this form and your grandson is on your plan. So, now instead of $700+ extra I am paying $180 extra to cover the entire family, including my daughter while she is in school. Has anyone else had this experience? Is this a vestige of unwed mother scorn or are companies trying to be PC with our government when they apply their policies? I wish I would have pushed this earlier! Keep it in mind if health insurance is an issue for your children and grandchildren. Thanks, Happy G'Ma
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G'ma while I haven't had that exact experience I did have a similar experience with my life insurance. I have suffered from depression and have been on meds off and on. Have never been hospitalized or attempted suicide, etc. So I am being honest on the health questionaire about my depression. I then have to fill out a "depression risk" form thing and then get a letter in the mail saying I was denied life insurance because of my depression. Well for a while I accepted that and then thought "no way, that's bull crap". So I emailed the email address I had for the company and asked "I would like information on appeal processes". I then got an email back within 2 hours saying I had been approved for life insurance. Seems like the insurance companies will tell you what they want and then if you put up a fight they'll approve the request (even though they should have approved it in the beginning). Sorry for my rambling just wanted to say that I have had similiar experience with insurance companies.
Aww, Claud, you are embarassing me! Like you, I am "just a mom ...". Tara May - I should have been like you and pushed harder last spring when we started with my benefits rep and insurance company. It was unlike me to be so complacent.:o LOL! I was just so relieved to have any insurance that at the time I didn't care how much it cost! I am glad that it worked out for you too. Hugs, Happy G'Ma
I became ill early last summer, I was afraid to go to the doctor just incase I had some sickness in me. What hurts is during that time I didnt have insurance. We are all aware that if you try to get insurance with a pre-existing condition, well obviously, your application would be rejected. So being sick as I was, I refused to see a doctor. And as a self-employed individual with children and a housewife, being able to afford insurance was hard. So I shopped around on the net for health insurance. The traditional way of finding insurance was to call brokers and agents, but that was very time consuming. Anyways after finding this insurance website, they were able to get all the quotes of major insurance companies in so I can compare. Worked out pretty slick. I decided to get the 20/80 plan. As I waited for my physical I applied through the same company for life insurance to secure my family. The life insurance became effective immediately as soon as they received my payment. A week after taking my physical, the insurance company wrote me and told me I was approved for insurance. So not to be obvious, I waited another 2 weeks before seeing a doctor. Anyways, after seeing the doctor with some tests which include but not limited to MRI, EKG and numerous amount of blood tests the doctor concluded that there was nothing wrong with me. He stated that it seem like I was just under a lot of stress and prescribed me some medications to temporary treat my anxiety. Anyways what I am trying to get at is that for those of you who donҒt have insurance, dont wait until you start feeling something before you do. And, if you have children or dependents, I highly recommend getting life insurance. Depending on your age and the amount you want to insure yourself for will determine your premium, regardless of how much, I recommend just getting it. Anyways thought I share my story.
I've was British so in the same situation it wouldn't be such an issue. I'm not sure about the "rules" with paying for private medical insurance (? sorry not up on the American system) BUT having the National Health Service which is free to everybody means that your situation wouldn't be an issue.
Pip :wings:
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Montraviatommyg
I've was British so in the same situation it wouldn't be such an issue. I'm not sure about the "rules" with paying for private medical insurance (? sorry not up on the American system) BUT having the National Health Service which is free to everybody means that your situation wouldn't be an issue. Pip :wings: