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View Diary: It is our policy not to offer insurance to an expectant father (33 comments)

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  •  Some questions. (0+ / 0-)

    1. If your wife were not having a baby, could she add you to her plan?

    2. If the answer to #1 is "yes," then (still assuming no baby) would she have to wait till her employer's annual open-enrollment period to add you to her plan?

    3. If the answer to #2 is "yes," then--why should her having a baby make any difference to your rights?

    "The true strength of our nation comes not from the might of our arms or the scale of our wealth, but from the enduring power of our ideals." - Barack Obama

    by HeyMikey on Fri Jul 05, 2013 at 12:33:50 PM PDT

    •  Diarist's problem is related to how (4+ / 0-)

      the deductible changes between an individual and a family plan.

      That is, when you have multiple people on a plan, they double your deductible. This means that if you have an expensive person and someone getting virtually no care, combining the policy dramatically increases the cost to the family in a way two individual policies does not.

      HSAs make this even worse, because (a) they have high deductibles, and (b) minors do not get their own HSA account nor is the taxpayer's HSA limit increased to reflect the dependent.

      HSAs turn out to be especially terrible for people with low cash flow because the HSA accounts are really designed to be investment vehicles for banks to sell, not actual accounts that one would deposit money into and then spend. If one's employer deposited a year's allocation at the beginning of the plan year, it would work better, but it's not a requirement that employers contribute anything at all, let alone that it be up front. So if you blow through your deductible in the first month or two, it's even more painful than the amounts might seem.

      Fry, don't be a hero! It's not covered by our health plan!

      by elfling on Fri Jul 05, 2013 at 01:25:03 PM PDT

      [ Parent ]

      •  Thanks for clarifying. Similar to me, actually. (1+ / 0-)
        Recommended by:
        FloridaSNMOM

        Thanks.

        Now that I actually understand it, the diarist's problem is basically that being in the individual market sucks. That's been my family's situation, too. We were turned down by Kaiser, Blue Cross, and one other (Aetna?), and got coverage through another company that excludes two of my wife's body systems.

        Thankfully my wife eventually started work for a large company and has recently qualified for full coverage via their group plan.

        "The true strength of our nation comes not from the might of our arms or the scale of our wealth, but from the enduring power of our ideals." - Barack Obama

        by HeyMikey on Fri Jul 05, 2013 at 02:46:47 PM PDT

        [ Parent ]

    •  He's not trying to get added to his wife's plan (1+ / 0-)
      Recommended by:
      HeyMikey

      he's trying to get his OWN plan for himself and his child.

      "Madness! Total and complete madness! This never would've happened if the humans hadn't started fighting one another!" Londo Mollari

      by FloridaSNMOM on Fri Jul 05, 2013 at 01:28:49 PM PDT

      [ Parent ]

      •  Thanks. (1+ / 0-)
        Recommended by:
        FloridaSNMOM

        Thanks for clarifying. See my other response above.

        "The true strength of our nation comes not from the might of our arms or the scale of our wealth, but from the enduring power of our ideals." - Barack Obama

        by HeyMikey on Fri Jul 05, 2013 at 02:47:17 PM PDT

        [ Parent ]

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