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03-06-2006, 12:58 PM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| | | Ins. Co won't allow me to cancel
What is the name of your state? NY
I want to enlist my son in another Plan, but my current Plan will not cancel him without proof of new insurance. The new Plan will not enlist him without proof that he has no insurance. It's a Catch 22. I pay 100% of my son's current plan. Can I legally disenroll me and my son from the plan ? It's incencevable to me that I am told what I can do with my own money.  |
03-06-2006, 01:09 PM
| | Member | | Join Date: Jan 2006 Location: Right behind you
Posts: 803
| | | Why would an insurance company refuse to sign your son up if your paying the premium? It just does not make any sense, are you just moving from one individual policy to another (non employer sponsored) or is this possibly state sponsored health care, Medicare or Medicaid? It just feels like there is a puzzle piece missing. |
03-06-2006, 02:35 PM
| | Senior Member | | Join Date: Nov 2001 Location: Massachusetts
Posts: 23,710
| | | VERY IMPORTANT to the answer to your question.
Are either of these employer-sponsored plans? If so, is your portion of the premium taken out pre-tax or post tax? |
03-06-2006, 02:44 PM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| | | The Plan I have now is United Health Care and the deduction taken out is "Med-pre tax". The plan I want to unroll him in is Child Health Plus thru NY State. |
03-06-2006, 02:53 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,811
| | | You may have to wait until your plan's open enrollment period to cancel his coverage with your employer's plan. |
03-06-2006, 03:17 PM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| | | I don't understand why I would have to wait for an open enrollment. I pay 100% of this cost. (very expensive and I cannot afford it). If the company I work for was paying some of the sost, I could understand, but they are not and it is my cost not theirs. |
03-06-2006, 03:35 PM
| | Senior Member | | Join Date: Mar 2005 Location: Texas
Posts: 2,356
| | Quote: |
Originally Posted by kareno I don't understand why I would have to wait for an open enrollment. I pay 100% of this cost. (very expensive and I cannot afford it). If the company I work for was paying some of the sost, I could understand, but they are not and it is my cost not theirs. | The reason you would have to wait for open enrollment is there is not a life changing event i.e. birth, death, marriage, adoption, etc.... You just want other coverage for your child and that doesn't qualify as a life changing event. It doesn't matter that you pay 100% of the premiums, that is how the plan is set up as most employer-sponsored plans are.
__________________
"Sometimes you're the windshield; sometimes you're the bug."
|
03-06-2006, 03:37 PM
| | Senior Member | | Join Date: Nov 2001 Location: Massachusetts
Posts: 23,710
| | | And what mlane is talking about is Federal law - it's not just your employer being arbitrary. |
03-06-2006, 04:31 PM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| | | I sure would like a copy of that Federal Law. Where can I find it on line? |
03-06-2006, 05:06 PM
| | Senior Member | | Join Date: Nov 2001 Location: Massachusetts
Posts: 23,710
| | | It's section 125 of the IRS code. |
03-06-2006, 05:08 PM
| | Member | | Join Date: Jan 2006 Location: Right behind you
Posts: 803
| | | Your benifit booklet will also go over when you can make changes. |
03-06-2006, 10:05 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,811
| | | Also, when you sign him up for insurance through your company, you signed him up for a full year. The only way you could break that contract is for a "qualifying event" as mentioned before. Otherwise you can only make any changes in your plan at open enrollment. I don't think there is any way around this. |
03-07-2006, 08:30 AM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| |
I appreciate all the replies. Can someone tell me if a change from Joint Custody to Full Legal Custody is a life changing event? I cannot afford this Health Care cost and may have to give my EX custody just to afford Health Insurance for the boy. Is that sad or what? |
03-07-2006, 08:42 AM
| | Senior Member | | Join Date: Mar 2005 Location: Texas
Posts: 2,356
| | Quote: |
Can someone tell me if a change from Joint Custody to Full Legal Custody is a life changing event?
| No it is not.
__________________
"Sometimes you're the windshield; sometimes you're the bug."
|
03-07-2006, 09:59 AM
| | Junior Member | | Join Date: Mar 2006
Posts: 8
| | | If there is a change in legal custody, you're telling me this is not a life changing event? If there was a court order for my Ex to pay, Could I cancel? | |
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