How soon did your health insurance start after new job? Anyone on the first day?

[Anonymous]

My husband says his health insurance starts on the first day of employment. He has not selected the company/ plan yet. He needs to submit a bunch of forms to HR. Will the company cover health expenses if our child needs to go to the ER? I don't understand how he technically has insurance starting from the first day if a company/ plan has not been selected. Once you select the plan how long does it take to get health insurance card etc? Please let me know if you have any experience with this. I asked my husband to show this in writing but he's going on what hr told him the first day.

[Anonymous]

Some will cover retroactively. When did your last plan expire?

[Anonymous]

Anonymous wrote:Some will cover retroactively. When did your last plan expire?

We did not have a plan before this.

[Anonymous]

It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

[Anonymous]

You’re supposed to select a plan on the first day. Not all are retroactive. Why ER and not urgent care? My insurance wants you to call the health advice nurse before going to the ER. Lots of times they will send me to a normal doctor instead.

[Anonymous]

Are you the woman who just got back from India and is sick? You got good advice on that thread. Just make him select a plan

[Anonymous]

Anonymous wrote:It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

Op here. My husband is in the health care field ( pharma company). I am hesitant to believe this too but he insists they said he has insurance. Our child has had a fever for 3 days now. He's 3. I am very worried. Urgent care would require us to pay the bill on the same visit I believe. I called around and could not find an urgent care that would accept a young child.

[Anonymous]

Anonymous wrote:Are you the woman who just got back from India and is sick? You got good advice on that thread. Just make him select a plan

She should be at the hospital already!!

[Anonymous]

Where are you?

Patient First takes 3 year olds. Minute Clinic sees kids over 18 months. There is a pediatric urgent care in Springfield.

[Anonymous]

Anonymous wrote:

Anonymous wrote:It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

Op here. My husband is in the health care field ( pharma company). I am hesitant to believe this too but he insists they said he has insurance. Our child has had a fever for 3 days now. He's 3. I am very worried. Urgent care would require us to pay the bill on the same visit I believe. I called around and could not find an urgent care that would accept a young child.

Fevers aren’t an issue and aren’t dangerous. It’s a myth that a fever alone can hurt a child. Google this.

Are there other symptoms? Are you alternating Tylenol and Motrin?

This is not ER worthy. You’ll sit there all day when they triage you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

Op here. My husband is in the health care field ( pharma company). I am hesitant to believe this too but he insists they said he has insurance. Our child has had a fever for 3 days now. He's 3. I am very worried. Urgent care would require us to pay the bill on the same visit I believe. I called around and could not find an urgent care that would accept a young child.

So pay the bill, get an itemized receipt, have your husband choose a plan tomorrow, and once he has confirmation, submit the receipt for reimbursement.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

Op here. My husband is in the health care field ( pharma company). I am hesitant to believe this too but he insists they said he has insurance. Our child has had a fever for 3 days now. He's 3. I am very worried. Urgent care would require us to pay the bill on the same visit I believe. I called around and could not find an urgent care that would accept a young child.

Fevers aren’t an issue and aren’t dangerous. It’s a myth that a fever alone can hurt a child. Google this.

Are there other symptoms? Are you alternating Tylenol and Motrin?

This is not ER worthy. You’ll sit there all day when they triage you.

If she's the same lady who traveled to India then yes she needs to go to the ER. Malaria can't be tested at urgent care.

[Anonymous]

Why wouldn’t you use urgent care? My urgent care deductible is $75. My ER deductible is $300.

That’s a lot just for a fever. Unless the kid is dangerously ill otherwise or severely dehydrated

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It can take a few weeks to get the card, but you can call the carrier on your first day of coverage, and they can help you set up an online profile to download a card, or give you the relevant ID numbers.

If you needed medical services, you would either give the provider the ID/Group numbers and have them submit the claim that way, explain the situation and ask them to bill you (which would give you time to get your cards and get the info to the provider), or you would pay out of pocket and file for reimbursement.

I would double check that you have first-day coverage. It is possible to start coverage retroactively, but not common for new employees.

Op here. My husband is in the health care field ( pharma company). I am hesitant to believe this too but he insists they said he has insurance. Our child has had a fever for 3 days now. He's 3. I am very worried. Urgent care would require us to pay the bill on the same visit I believe. I called around and could not find an urgent care that would accept a young child.

Fevers aren’t an issue and aren’t dangerous. It’s a myth that a fever alone can hurt a child. Google this.

Are there other symptoms? Are you alternating Tylenol and Motrin?

This is not ER worthy. You’ll sit there all day when they triage you.

If she's the same lady who traveled to India then yes she needs to go to the ER. Malaria can't be tested at urgent care.

She sounds exactly like the other pp. Go to the ER stat!

[Anonymous]

Anonymous wrote:Why wouldn’t you use urgent care? My urgent care deductible is $75. My ER deductible is $300.

That’s a lot just for a fever. Unless the kid is dangerously ill otherwise or severely dehydrated

Op doesn't have a health insurance card. There is no deductible for her. She will be stuck with paying the bill on the spot. Urgent care can be very expensive. I once had a $1200 bill. That's now half of my employee individual deductible.