Reply to DH's insurance dropped me and the kids from insurance

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Did you get dropped, or did he just not enroll you for 2015?  If you lost coverage, you should have received COBRA forms for you and the kids.  Maybe his company is different, but typically changes outside of open enrollment are only if there is a qualifying life event (birth, death, marriage, divorce, job change, spouse loss of coverage, etc).  If he didn't enroll you for 2015, I don't think there is much you can do.[/quote]

We got dropped. We were originally enrolled and had insurance. Then a form supposedly got sent to DH. We did not fill it out and we got dropped. DH has no idea what form this is.[/quote]

Could have been a dependent eligibility audit and he didn't complete the paperwork (usually filling a form and sending in copies of documentation). These are increasingly common to make sure only eligible dependents are covered on insurance plans -- if he missed the deadline, I don't think his HR dept will move mountains for him. You will in all likelihood have to wait until Jan 1 for coverage through his work again.

If it was an employer mistake, they will fix it promptly (they have to). It doesn't sound like it was, though. Your DH needs to be more on top of stuff like filling out required forms, I'm sure he had multiple notices this was necessary! I'd be pissed if I were you.

However, gaining/losing coverage is usually a Qualifying Life Event, so you might be able to change your coverage through your work if it's within the QLE period (usually 30 days or so) to include yourself and your children. [/quote]

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