Advice needed from my anonymous best friends

[mickeyboat]

I would put her on your insurance. What happens if his coverage lapses or something? Would she be able to get on your insurance right away? I know sometimes they have "windows of opportunity" when you can change plans and such. Don't know if it applies to adding someone. Also if she does get a serious illness she might not be able to get on your insurance later due to a pre-existing condition.

The information I have may vary from state to state, so I recommend finding out what your state requires.

Your donor's employer is required to notify you if she loses coverage. In order to come on to our insurance, you must enroll during open enrollment (Jan 1), or face a qualifying event. Losing insurance through another plan is a qualifying event, and insurance would be made available immediately.

Also, in NH, the longest you would ever have to wait for coverage because of a pre-exisiting condition would be 9 months. However, "If you were covered by a health plan before you enrolled in this plan, you may be entitled to receive proof of prior coverage from the prior plan. Provided you did not experience a break in coverage equal to 63 consecutive days or more, (ins co) will apply any period of creditable coverage toward meeting the nine month waiting period...." So, if your daughter was covered for at least 9 months prior to when she goes on your plan, pre-existing condition exclusions do not apply.

Denae

 

[Alice's Mom]

Thank you everyone for taking the time to respond, I am going to add her to my insurance, I don't think she can have both though, he provides her with Kaiser and I don't think you can use it with another plan, primary or secondary. I don't want to wait to see if his insurance lapses either, I think you can only add to your policy during open enrollment once a year.

It would be nice to save the difference in costs, but I think in the long run this is the best choice.

I feel reassured in my decision, thank you again.

 

[Alice's Mom]

The information I have may vary from state to state, so I recommend finding out what your state requires.

Your donor's employer is required to notify you if she loses coverage. In order to come on to our insurance, you must enroll during open enrollment (Jan 1), or face a qualifying event. Losing insurance through another plan is a qualifying event, and insurance would be made available immediately.

Also, in NH, the longest you would ever have to wait for coverage because of a pre-exisiting condition would be 9 months. However, "If you were covered by a health plan before you enrolled in this plan, you may be entitled to receive proof of prior coverage from the prior plan. Provided you did not experience a break in coverage equal to 63 consecutive days or more, (ins co) will apply any period of creditable coverage toward meeting the nine month waiting period...." So, if your daughter was covered for at least 9 months prior to when she goes on your plan, pre-existing condition exclusions do not apply.

Denae

This is good to know, I'll look into it