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

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

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]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 
[/quote]

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

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.[/quote]

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.[/quote]

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.[/quote]

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