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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: 382384" data-attributes="member: 1157"><p>She's not on my insurance right now because she aged out of our plan (pre-reform). I pay for coverage for myself only, for an HMO. If I added her and switched to a PPO, my premiums would go from $20/pay period, to $250/pay period. It's not the issue of how the 2 plans would work, it's the fact that she pays for nothing right now (zero copays), and my being out $500/month would get her no more than she already has. So I don't see the point, even though it means she stays reliant "on the system."</p><p></p><p>That's the catch-22 about extending coverage availability. It's great in theory, but if there are no affordable plan options, it's the same as having no health insurance, really.</p></blockquote><p></p>
[QUOTE="CrazyinVA, post: 382384, member: 1157"] She's not on my insurance right now because she aged out of our plan (pre-reform). I pay for coverage for myself only, for an HMO. If I added her and switched to a PPO, my premiums would go from $20/pay period, to $250/pay period. It's not the issue of how the 2 plans would work, it's the fact that she pays for nothing right now (zero copays), and my being out $500/month would get her no more than she already has. So I don't see the point, even though it means she stays reliant "on the system." That's the catch-22 about extending coverage availability. It's great in theory, but if there are no affordable plan options, it's the same as having no health insurance, really. [/QUOTE]
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Is anyone adding their difficult child to their insurance next year?
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