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Baby2013
LIF Zygote
Member since 4/12 38 total posts
Name:
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Heath Insurance Question- New Job
My DH recently accepted a job offer with a new company, and will be starting at the end of the month. Our health insurance is through DHs current company (my company does not offer health benefits). DH is not entitled to health insurance through his new company until after 90 days. So there will be a 3 month gap between coverages.
Are we required by law to obtain private insurance for the interim? Is that what the new law with obamacare and the health exchange states? I can not find any clear information regarding the laws or penalties if there is a lapse in coverage.
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Posted 3/11/15 5:56 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
MC09
arrrghhh!!!!
Member since 2/09 5674 total posts
Name:
Me speaks pirate!
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Re: Heath Insurance Question- New Job
It's usually retroactive (at least it has been in my experience). Have him call HR or whoever handles the benefits to find out how it works.
Also, find out about the current coverage you have with the former job. Some places drop you the last day of work, other plans will cover you until the end of the month.
I read online that you can go up to 3 months without getting penalized for not being covered under the Affordable Care Act. Not sure how accurate that is, maybe others know more. Another option is COBRA.
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| Posted 3/11/15 6:49 PM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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Heath Insurance Question- New Job
You can get cobra through his old company.
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| Posted 3/11/15 8:11 PM |
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MrsM84
LIF Adult
Member since 2/13 2352 total posts
Name:
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Heath Insurance Question- New Job
I would get Cobra. While its expensive, I would NEVER risk being without health insurance. One trip to the ER (even for something not life threatening) could set you back $$$$$.
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| Posted 3/11/15 8:46 PM |
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EMC11709
LIF Toddler
Member since 3/10 484 total posts
Name:
Erica
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Re: Heath Insurance Question- New Job
Posted by MrsM84
I would get Cobra. While its expensive, I would NEVER risk being without health insurance. One trip to the ER (even for something not life threatening) could set you back $$$$$.
agreed!
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| Posted 3/11/15 9:46 PM |
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jessnbrian
Only God knows His plan for us
Member since 4/13 7238 total posts
Name:
Jessica
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Re: Heath Insurance Question- New Job
Posted by EMC11709
Posted by MrsM84
I would get Cobra. While its expensive, I would NEVER risk being without health insurance. One trip to the ER (even for something not life threatening) could set you back $$$$$.
agreed!
Agreed. DH accepted a new job while I was pregnant (very pregnant) and had 1 month gap. He negotiated for the new company to reimburse us for the cobra, which they did. Thank God we did that. Besides having the piece of mind, I ended up delivering less than 1 week after the new insurance was active, one week earlier and I would have been in big trouble if we didn't have cobra!
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| Posted 3/11/15 10:02 PM |
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Leb
LIF Adult
Member since 12/09 4166 total posts
Name:
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Heath Insurance Question- New Job
Cobra has a 60 day period for sign up. So technically you have to do nothing. If you break your leg on day 45 you just back pay. Does that make sense? It's what I've always done before new insurance kicks in.
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| Posted 3/11/15 10:16 PM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: Heath Insurance Question- New Job
You should sign up for COBRA. If you have any existing medical issues, the new insurance company can refuse coverage unless you can prove no break in insurance. The cost of COBRA is minimal compared to having to pay OOP for a condition forever.
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| Posted 3/12/15 10:31 AM |
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canwhit
LIF Infant
Member since 12/10 79 total posts
Name:
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Re: Heath Insurance Question- New Job
I think that insurance companies can't refuse you for pre-existancing conditions anymore. I think that was part of the healthcare reform.
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| Posted 3/12/15 11:25 AM |
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