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Parent Emeritus
Is anyone adding their difficult child to their insurance next year?
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<blockquote data-quote="CrazyinVA" data-source="post: 380855" data-attributes="member: 1157"><p>Spoke to our HR person, and have exchanged emails with our outside benefits consultant. I can add Youngest on Jan 1 when our new plan year starts. However, since I use the HMO option and our carrier does not have a participating HMO in Florida, I'd have to switch to the PPO in order for her to use doctors down there. Premiums for PPO are higher, of course, in addition to paying more for family coverage vs. just individual coverage. If she can continue to be eligible for state aid programs, it might be better to have her stay on that. Which doesn't feel right, actually, to have her using the system when she could be covered by private insurance.... this is a tough call. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite3" alt=":(" title="Frown :(" loading="lazy" data-shortname=":(" /> I have a few months before I can make a decision, anyway, so we'll see how things look in January, and what premiums look like (likely to go up, anyway, from this year's premiums).</p></blockquote><p></p>
[QUOTE="CrazyinVA, post: 380855, member: 1157"] Spoke to our HR person, and have exchanged emails with our outside benefits consultant. I can add Youngest on Jan 1 when our new plan year starts. However, since I use the HMO option and our carrier does not have a participating HMO in Florida, I'd have to switch to the PPO in order for her to use doctors down there. Premiums for PPO are higher, of course, in addition to paying more for family coverage vs. just individual coverage. If she can continue to be eligible for state aid programs, it might be better to have her stay on that. Which doesn't feel right, actually, to have her using the system when she could be covered by private insurance.... this is a tough call. :( I have a few months before I can make a decision, anyway, so we'll see how things look in January, and what premiums look like (likely to go up, anyway, from this year's premiums). [/QUOTE]
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Is anyone adding their difficult child to their insurance next year?
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