DO OVER – I need advice

posted 2 years ago in Relationships
Post # 2
Member
1302 posts
Bumble bee
  • Wedding: October 2015

idk about the health care, but i’m curious what your FI thinks about this. sorry you’re going through this! hopefully the bees here have better advice haha. 

Post # 4
Member
3346 posts
Sugar bee

I’m not American so I don’t know anything about health care reform, so I can’t help you there.

Can you not buy independant insurance for him as well?

Post # 6
Member
1230 posts
Bumble bee
  • Wedding: June 2015

Waitingbee57:  Call your insurance company, first and foremost. And you are right about people being nasty- lately there have been some pretty horrendous people posting.

Post # 7
Member
913 posts
Busy bee
  • Wedding: November 2014 - 11/15/14-Vineyard

Is it a private company’s insurance (PPO or HMO) or through the Affordable Care Act?

Post # 8
Member
1878 posts
Buzzing bee
  • Wedding: April 2013 - Valparaiso, IN

My husband doesn’t have health insurance right now, if that helps any. I’m on my parents’ until I’m 26.

Post # 9
Member
42469 posts
Honey Beekeeper
  • Wedding: November 1999

Waitingbee57: You might want to consider closing the other thread if people are offering advice without the full story.

Post # 11
Member
567 posts
Busy bee
  • Wedding: October 2014

I don’t think that people should be telling you not to get married, and I am sorry you felt judged. However, I don’t think you should count on your FMIL for anything. She raised her son to adulthood and owes him nothing. Expect nothing. It sounds like you will never get her approval and quite frankly, the less involvement she has, the better. If you are dependent on her for anything, she will hold it over your heads. Good luck!

Post # 12
Member
3346 posts
Sugar bee

Waitingbee57:  So why don’t you just do that, especially since its affordable?

Can you get some sort of quote or list of what would be provided on the new plan to show him?

Post # 13
Member
1230 posts
Bumble bee
  • Wedding: June 2015

MrsTtoB:  It should be the same thing. Affordable Care act is basically Obama care and the laws that were set up to keep insurance companies from screwing over customers. 

OP, go read the law yourself. I found basically what it is pertaining to on page 15 SEC. 2714 ø42 U.S.C. 300gg–14¿. EXTENSION OF DEPENDENT COVERAGE, part a.

http://housedocs.house.gov/energycommerce/ppacacon.pdf

In short you MIL is WRONG

Post # 14
Member
913 posts
Busy bee
  • Wedding: November 2014 - 11/15/14-Vineyard

Waitingbee57:  Clearly this seems to be just her speculating. 

She is telling him that if he gets married there is no way he will have any insurance for under 500 a month, and if I just add him to my plan it will be an extra $100 dollars which is totally doable.

So here are my questions.

1) Am I right about the health care reform?

and 2) what would you do in my situation?

 

Yes, if he had to get private insurance on his own it could be well over $500. If he gets on the ACA it could be less. 

If he’s on the insurance through her employer, it is not the health care reform. For the ACA you file for that yourself on the government website. Not all employers have to offer comparable insurance, only those that have over 50 employees. 

It sounds like she is on her companies offered insurance. Most insurance companies you have to pay a month in advance so if you got married in October, even if she wants to drop him 1) she would have to wait until open enrollment usually and 2) it would be covered through end of November IF the insurance company allowed her to drop coverage. 

I honestly think that she is bluffing trying to get you to not get married. As a mother as well and it only be a few months of coverage, I can’t even fathom the idea of fighting to keep my son’s medical until the new one kicks in, let alone if he has a preexisting condition. 

Have him call the carriers Medical/Benefits Department to have it clarified. 

<br /><br /><br />

Post # 15
Member
42469 posts
Honey Beekeeper
  • Wedding: November 1999

Why is your FI taking the word of his Mom that independent coverage will not be adequate for him? Is she some sort of Health Care insurance expert?

He may have health problems, but he should be able to do some research, make some phone calls and determine the accuracy of what she is saying.

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