Health Insurance (Options)

[lanejudy]

1) I'm trying to do the research so *I* understand, so *IF* he comes to me with questions, I'll already have answers. Apparently, that's bad.

3) Yes, I'm trying to find out when he can be added to someone's insurance. Wasn't that in the OP? Not really bad information to have, is it?

Not bad. But you come off as leading this whole research process. My point has simply been that your son should be digging up such info and then you talk it over with him & the fiance.

When he was a kid and asked “what makes the sky blue?” Or “why can’t I see the moon during the day?” Did you simply give an answer? Or did you guide him to find the answers?

 

[sam_gordon]

Not bad. But you come off as leading this whole research process. My point has simply been that your son should be digging up such info and then you talk it over with him & the fiance.

And yet, after I said, a couple times I believe, that I hadn't talked to DS about any of it yet, I STILL got accused of taking things over.

So, who's making the assumptions in this thread? I came here looking for information. I was hoping people would say "yes you can do that" or "no, it's not allowed", or even "it depends on company policy". The answer really could have been any of the three.

When he was a kid and asked “what makes the sky blue?” Or “why can’t I see the moon during the day?” Did you simply give an answer? Or did you guide him to find the answers?

I'm a bad dad. I tried to answer every question my kids asked to the best of my ability. I'm sorry I'm not living up to your standards.

Did you say that? No. But that's "how you come off".

 

[sam_gordon]

sam_gordon, I apologize if this is a duplicate of something that's already been suggested but it just occurred to me...

if your employer plan charges nothing to you to keep your son on it then why worry about dropping him at all until he hits 26? it's not like any other plans (short of Medicaid in nature) have any issues with dual coverage (the plans just determine which is primary/which is secondary for payment of service purposes). he could decide to opt into his own employer's at some point/his (then) wife's during a period of open enrollment for their plans or if they meet one of the special enrollment criteria (just b/c they use a criteria to enroll doesn't mean you have to drop him from yours unless your employer has some kind of specific rules that preclude it) but continue with coverage on yours. worst case scenario-he's covered only under yours, best case-he has double coverage under 2 plans (I've been in this situation-it largely cancelled out copays, share of costs for allot of services).

Well, I just found out that fact earlier this afternoon. I didn't know it when I started the thread.

I also wasn't sure if someone could be on two plans simultaneously.

 

[lanejudy]

Did you say that? No. But that's "how you come off".

Clearly we have different parenting styles. My original comment didn’t ague, just stated my opinion. Not sure why you felt the need to counter my opinion or continue.

I’m a strong proponent of letting young adults BE adults — that is being fully self supportive including their insurance (assuming it is a benefit offered by the employer).

Have a good day.

 

[barkley]

Well, I just found out that fact earlier this afternoon. I didn't know it when I started the thread.

I also wasn't sure if someone could be on two plans simultaneously.

health insurance rules are crazy confusing and then when you get different employer plans, marketplace plans and all that

I thought of one other thing your son might look at if he decides not to fully opt into his new employer's plan-i've had employers where they kind of (for lack of a better term) 'subdivided' their 'healthcare' benefits so you could pick and choose if you were getting health, vision and dental or just one or two of the three (they had bundled plans w/all three and also offered vision and dental as stand alones). I know for many of my co-workers it was beneficial even if they had bundled coverage through another source to opt in for dental and vision b/c it was pretty low-premium (I just looked at my former employer's website-less than $100 per year for vision plan, less than $70 per year for dental if no health insurance opted into) and it provides a couple of thousand in extra dental coverage and a single pair of perscription glasses per year.

good luck to your son with whatever he chooses (he's fortunate to have you helping navigate this stuff).

 

[sam_gordon]

Clearly we have different parenting styles. My original comment didn’t ague, just stated my opinion. Not sure why you felt the need to counter my opinion or continue.

It wasn't just your original comment that I got that vibe from. It was multiples of yours. As far as why I continued, I was answering questions and having discussions. You know, on a discussion board.

Have a good day.

You too.