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Substance Abuse
Should I take difficult child off our health insurance?
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<blockquote data-quote="susiestar" data-source="post: 408570" data-attributes="member: 1233"><p>That is a huge question. Since she is on your insurance she won't be able to get help from many sources, but with-o insurance there are a lot of things that there is no help for. I totally understand your anger at the other family - it must be so hard to not rip their heads off, but you know that won't solve anything but make them feel sorry that she has "awful" parents (which you are NOT).</p><p> </p><p>I guess my concern would be pregnancy. Do you know if she is using any birth control? I would be terrified she would get pregnant. Would she consider an implant or IUD or even the depo shot? Often you get a big price cut by having insurance. Gcvmom's post about the cost for her son's procedure is a good illustration of how the pricing works. The huge cost was cut almost in half simply because they have insurance. I know one of my docs bills insurance over $250 for an appointment but if you pay cash he cuts it to just $100. He has to bill that much to the insurance or they will not even pay the $100 that cash patients pay. With insurance she can get services cheaper at many places.</p><p> </p><p>BUT if she is on your insurance you may be liable for the balance that she doesn't pay. I don'tknow if that is something you can afford to be liable for, esp as you still have the big rehab bill.</p><p> </p><p>If she doesn't have insurance she WILL get free doctor visits for pregnancy if seh will go to medicaid. Sadly there are many women who delay seeing a doctor for pregnancy because most docs drug test pregnant women, at least here. ALL women on medicaid get drug tested while pregnant here - I don'tknow if they tell the moms up front but it is part of the monthly urine testing - and positive results are referred to the police/DHS here. </p><p> </p><p>I wish I could give you an answer, but it is a complicated issue. There are programs to get medications at lower costs that you don't have to a pay for. They are not free but they knock the cost down a lot. Our electric coop offers one as a free service - cuts my rx's about in half in cost. Our insurance refused to accept the COBRA payment for a week before the payment was due and then said that we didn't pay so we were cancelled (they have played dirty tricks like this for years). It happened right after my doctor asked for approval for about $8000 worth of tests for me and husband had just had a skin cancer cut off of his shoulder. I kind of expected it as I cost them a bundle as a patient, but it has been tough. </p><p> </p><p>Since she is not still in school she won't be eligible for long, will she?At least here they still have to be full time students after they are out of high school to stay on the parents' insurance. Is she still going to community college? </p><p> </p><p>I wish I could be more helpful. While you want her to have good health care, how much is it worth if she won't go because she doesn't want to deal with her drug problems, esp when they are wrecking her health? </p><p> </p><p>Does she have any input on this? Would you be willing to keep her on the policy if she pays the cost to you? The amount extra it costs to keep her on your plan - if she could pay it on time every month, maybe it would be viable to keep her on the plan (if she is eligible). I would find out the exact requirements - in school so many hours, so much $$ by such and such date, etc... and write up a contract. If she doesn't pay on time or stay in school and passing, then it is HER decision to not be insured.</p><p> </p><p>I don't know if that is doable, but put it in writing and get it notarized with it specifically said that if she is even a day late her insurance is cancelled. Make it a business decision - HER business decision.</p><p> </p><p>That way it would be her decision either way. As an adult it is HER responsibility to take care of this, whether it has occurred to her or not.</p></blockquote><p></p>
[QUOTE="susiestar, post: 408570, member: 1233"] That is a huge question. Since she is on your insurance she won't be able to get help from many sources, but with-o insurance there are a lot of things that there is no help for. I totally understand your anger at the other family - it must be so hard to not rip their heads off, but you know that won't solve anything but make them feel sorry that she has "awful" parents (which you are NOT). I guess my concern would be pregnancy. Do you know if she is using any birth control? I would be terrified she would get pregnant. Would she consider an implant or IUD or even the depo shot? Often you get a big price cut by having insurance. Gcvmom's post about the cost for her son's procedure is a good illustration of how the pricing works. The huge cost was cut almost in half simply because they have insurance. I know one of my docs bills insurance over $250 for an appointment but if you pay cash he cuts it to just $100. He has to bill that much to the insurance or they will not even pay the $100 that cash patients pay. With insurance she can get services cheaper at many places. BUT if she is on your insurance you may be liable for the balance that she doesn't pay. I don'tknow if that is something you can afford to be liable for, esp as you still have the big rehab bill. If she doesn't have insurance she WILL get free doctor visits for pregnancy if seh will go to medicaid. Sadly there are many women who delay seeing a doctor for pregnancy because most docs drug test pregnant women, at least here. ALL women on medicaid get drug tested while pregnant here - I don'tknow if they tell the moms up front but it is part of the monthly urine testing - and positive results are referred to the police/DHS here. I wish I could give you an answer, but it is a complicated issue. There are programs to get medications at lower costs that you don't have to a pay for. They are not free but they knock the cost down a lot. Our electric coop offers one as a free service - cuts my rx's about in half in cost. Our insurance refused to accept the COBRA payment for a week before the payment was due and then said that we didn't pay so we were cancelled (they have played dirty tricks like this for years). It happened right after my doctor asked for approval for about $8000 worth of tests for me and husband had just had a skin cancer cut off of his shoulder. I kind of expected it as I cost them a bundle as a patient, but it has been tough. Since she is not still in school she won't be eligible for long, will she?At least here they still have to be full time students after they are out of high school to stay on the parents' insurance. Is she still going to community college? I wish I could be more helpful. While you want her to have good health care, how much is it worth if she won't go because she doesn't want to deal with her drug problems, esp when they are wrecking her health? Does she have any input on this? Would you be willing to keep her on the policy if she pays the cost to you? The amount extra it costs to keep her on your plan - if she could pay it on time every month, maybe it would be viable to keep her on the plan (if she is eligible). I would find out the exact requirements - in school so many hours, so much $$ by such and such date, etc... and write up a contract. If she doesn't pay on time or stay in school and passing, then it is HER decision to not be insured. I don't know if that is doable, but put it in writing and get it notarized with it specifically said that if she is even a day late her insurance is cancelled. Make it a business decision - HER business decision. That way it would be her decision either way. As an adult it is HER responsibility to take care of this, whether it has occurred to her or not. [/QUOTE]
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Should I take difficult child off our health insurance?
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