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Substance Abuse
Should I take difficult child off our health insurance?
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<blockquote data-quote="katya02" data-source="post: 408871" data-attributes="member: 2884"><p>If your deductible is that large and you can't manage another big bill, I would consider taking her off. She may be ineligible anyway, due to not being a student and not living at home, but you'd have to check with your company on that. In our county it's more common for people to be uninsured than otherwise; but the county hospital sees everyone and writes off massive amounts of bad debt. If something major happened she would get care, if not the Cadillac version, still the essential care she would need. The difference is that you wouldn't be faced with a bill of $10,000.00. If it's your insurance I would think that deductible would be billed to you. It sounds as if your difficult child would qualify for MA if she were to apply; if she refuses, there isn't much you can do. I sympathize with your situation and think it's probably time to consider your own financial health. Oh, and if your difficult child has a health crisis due to using while in pothead's parents' home, you could make sure they are charged with everything possible. Maybe that can be arranged before a crisis happens ... they are providing/abetting illegal substances/use in their home to underage young people. That's a crime.</p></blockquote><p></p>
[QUOTE="katya02, post: 408871, member: 2884"] If your deductible is that large and you can't manage another big bill, I would consider taking her off. She may be ineligible anyway, due to not being a student and not living at home, but you'd have to check with your company on that. In our county it's more common for people to be uninsured than otherwise; but the county hospital sees everyone and writes off massive amounts of bad debt. If something major happened she would get care, if not the Cadillac version, still the essential care she would need. The difference is that you wouldn't be faced with a bill of $10,000.00. If it's your insurance I would think that deductible would be billed to you. It sounds as if your difficult child would qualify for MA if she were to apply; if she refuses, there isn't much you can do. I sympathize with your situation and think it's probably time to consider your own financial health. Oh, and if your difficult child has a health crisis due to using while in pothead's parents' home, you could make sure they are charged with everything possible. Maybe that can be arranged before a crisis happens ... they are providing/abetting illegal substances/use in their home to underage young people. That's a crime. [/QUOTE]
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Should I take difficult child off our health insurance?
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