DH's insurance dropped me and the kids from insurance

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Didn't you notice when his take-home pay went up because you weren't paying for a family plan anymore? If this didn't happen and you've been paying for the family plan this whole time, it's probably just a clerical error and should be very easy to correct.

We have been paying for family insurance the entire time.

If you've been paying for the family coverage, then they didn't fully drop you (because they can't charge you for coverage they're not providing). Have your husband call HR, this should be very easy to resolve.

The insurance company doesn't control the paycheck, so this might not be true. Usually when premiums change you have to manually update the payroll system. So HR could have missed this and not updated the system. Either way, DH really needs to be in touch with HR.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Yikes. You've been without insurance since January, I assume? I don't even know if you can enroll in the marketplace insurance now, since your qualifying event was months ago. You definitely need to have your husband talk to HR and see if they can do anything. When I worked in HR I forgot to file a form once or twice and my insurance rep was able to backdate and get the coverage active.

If HR or the insurance company can't do anything...

Have you had anything else happen that could be a qualifying event?

Some things that might be qualifying event (these are not uniform across companies):
- Becoming a dependent or gaining a dependent
- Change in marital status
- Change in employment status
- Change in residence
- FMLA leave
- Entitlement to Medicare or Medicaid.


If not, you have some options (neither of which is great):
- Go uninsured and pay out of pocket. If the employer made the mistake, maybe they will reimburse you for some costs?
- One of you find a new job and enroll in that plan upon starting
- If the employer is really willing to work with you, they could terminate your husband and hire him a day later so he is elligible to enroll
- If you rent, you could move (from VA to MD, MD to DC, etc) which is a qualifying event that will allow you to enroll in the state exchange

We apparently got dropped in July. DH has only been working at this company since 2014. We had insurance when he enrolled.

July is pretty recent. See if you can get in touch with the insurance provider. Have them email/fax the form and submit it today. Did you get dropped July 1 or July 31? Qualifying events trigger a 30-day window so you need to act fast if you need to obtain other insurance.

[Anonymous]

OP, has your husband talked to HR? At this point, there's really no advice people can give you until we know if you've already done this and what they have to say.

[Anonymous]

Anonymous wrote:OP, has your husband talked to HR? At this point, there's really no advice people can give you until we know if you've already done this and what they have to say.

Yes, DH talked to HR (a lower person) and she said she can't personally do anything. He has a call into the supervisor. The director is in a meeting.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yikes. You've been without insurance since January, I assume? I don't even know if you can enroll in the marketplace insurance now, since your qualifying event was months ago. You definitely need to have your husband talk to HR and see if they can do anything. When I worked in HR I forgot to file a form once or twice and my insurance rep was able to backdate and get the coverage active.

If HR or the insurance company can't do anything...

Have you had anything else happen that could be a qualifying event?

Some things that might be qualifying event (these are not uniform across companies):
- Becoming a dependent or gaining a dependent
- Change in marital status
- Change in employment status
- Change in residence
- FMLA leave
- Entitlement to Medicare or Medicaid.


If not, you have some options (neither of which is great):
- Go uninsured and pay out of pocket. If the employer made the mistake, maybe they will reimburse you for some costs?
- One of you find a new job and enroll in that plan upon starting
- If the employer is really willing to work with you, they could terminate your husband and hire him a day later so he is elligible to enroll
- If you rent, you could move (from VA to MD, MD to DC, etc) which is a qualifying event that will allow you to enroll in the state exchange

We apparently got dropped in July. DH has only been working at this company since 2014. We had insurance when he enrolled.

July is pretty recent. See if you can get in touch with the insurance provider. Have them email/fax the form and submit it today. Did you get dropped July 1 or July 31? Qualifying events trigger a 30-day window so you need to act fast if you need to obtain other insurance.

We got dropped July 31. I am just upset that we didn't get notification that we were being dropped. We obviously would have filled out the paperwork if that were the case.

[Anonymous]

Anonymous wrote:DH supposedly did not fill out a dependent form and we have been dropped from his insurance. We never got notification that we were dropped. DH has no idea what form he did not fill out. They are saying we have to wait until open enrollment in November for January 1, 2016.

Did this ever happen to anyone?

What can we do?

that's odd OP. every open enrollment period I've ever experienced will leave your account "unchanged" unless you make a change. this doesn't sound right.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP, has your husband talked to HR? At this point, there's really no advice people can give you until we know if you've already done this and what they have to say.

Yes, DH talked to HR (a lower person) and she said she can't personally do anything. He has a call into the supervisor. The director is in a meeting.

well there's always Obamacare!

[Anonymous]

Your DH is an idiot.

[Anonymous]

Anonymous wrote:

Anonymous wrote:DH supposedly did not fill out a dependent form and we have been dropped from his insurance. We never got notification that we were dropped. DH has no idea what form he did not fill out. They are saying we have to wait until open enrollment in November for January 1, 2016.

Did this ever happen to anyone?

What can we do?

that's odd OP. every open enrollment period I've ever experienced will leave your account "unchanged" unless you make a change. this doesn't sound right.

Not always the case. Even had this be different within the same company from year to year.

[Anonymous]

I still can't understand the mid year change thing. If I enroll in insurance and have been paying for it I have coverage.

I have never heard of anything else being required. My company certifies my dependents.

[Anonymous]

If this was a recent marriage - it was a "life event" and your DH needed to fill out the form

[Anonymous]

OP, do you work?

I work FT, but our whole family is on DH's employer's plan. Every year, I have to fill out a form that says I don't take insurance from my employer. That was probably the form you missed. The form comes out in March, with a 30-day return request. They probably sent a follow up in May, and a "we're going to drop you notice" in June.

It's an easy form--just check the box and sign. I would call your carrier right now and see if this is the form. If it is, you can probably just sign it and fax it back and be reinstated.

Good luck!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yikes. You've been without insurance since January, I assume? I don't even know if you can enroll in the marketplace insurance now, since your qualifying event was months ago. You definitely need to have your husband talk to HR and see if they can do anything. When I worked in HR I forgot to file a form once or twice and my insurance rep was able to backdate and get the coverage active.

If HR or the insurance company can't do anything...

Have you had anything else happen that could be a qualifying event?

Some things that might be qualifying event (these are not uniform across companies):
- Becoming a dependent or gaining a dependent
- Change in marital status
- Change in employment status
- Change in residence
- FMLA leave
- Entitlement to Medicare or Medicaid.


If not, you have some options (neither of which is great):
- Go uninsured and pay out of pocket. If the employer made the mistake, maybe they will reimburse you for some costs?
- One of you find a new job and enroll in that plan upon starting
- If the employer is really willing to work with you, they could terminate your husband and hire him a day later so he is elligible to enroll
- If you rent, you could move (from VA to MD, MD to DC, etc) which is a qualifying event that will allow you to enroll in the state exchange

We apparently got dropped in July. DH has only been working at this company since 2014. We had insurance when he enrolled.

July is pretty recent. See if you can get in touch with the insurance provider. Have them email/fax the form and submit it today. Did you get dropped July 1 or July 31? Qualifying events trigger a 30-day window so you need to act fast if you need to obtain other insurance.

We got dropped July 31. I am just upset that we didn't get notification that we were being dropped. We obviously would have filled out the paperwork if that were the case.

OP, you have 30 days from July 31st to either join your employers plan or join a plan on the exchange. This is a fixed date so if you did not get answers today from your husband's HR today you need to come up with an alternate plan tomorrow.

You have 60 days from July 31st to pick up COBRA. Your husband's company is required to send you your COBRA options within 14 days of losing coverage. Your husband needs to email HR that he has not received his COBRA package and he needs it tomorow so that you can decide on your options.

[Anonymous]

Was July. DH's open enrollment? A voluntary drop of a dependent during open enrollment is not by itself a COBRA event. Agree with PP that you need to talk to ASAP.

[Anonymous]

Anonymous wrote:Was July. DH's open enrollment? A voluntary drop of a dependent during open enrollment is not by itself a COBRA event. Agree with PP that you need to talk to ASAP.

talk to DH's HR ASAP.