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Substance Abuse
Insurance question
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<blockquote data-quote="Nancy" data-source="post: 643007" data-attributes="member: 59"><p>We dropped our difficult child from our insurance three years ago when she got employee covereage. Of course she only had the job a few months so when she lost that job she was without insurance. We refused to put her back on our insurance and she was able to get free health coverage through our public hospital because her income was so low. When the ACA became effective we purchased a policy on the exchange, saved $750 a month for the two of us, and did not put difficult child on ours. She went without insurance for several months but fortunately was picked up by her new employers plan. I will NOT put her back on our policy if she loses that. Our deductible is $6500 per person and I will not pay her medical bills, she is 23 and an adult. If she loses insurance she will have to apply for medicaid.</p><p></p><p>I know that may sound mean but we learned when she was in rehab that since she was on our insurance nothing was paid and if she was on her own or had no insurance she would have been eligible for financial help. So we ended up paying 25,000 out of pocket for her rehab.</p></blockquote><p></p>
[QUOTE="Nancy, post: 643007, member: 59"] We dropped our difficult child from our insurance three years ago when she got employee covereage. Of course she only had the job a few months so when she lost that job she was without insurance. We refused to put her back on our insurance and she was able to get free health coverage through our public hospital because her income was so low. When the ACA became effective we purchased a policy on the exchange, saved $750 a month for the two of us, and did not put difficult child on ours. She went without insurance for several months but fortunately was picked up by her new employers plan. I will NOT put her back on our policy if she loses that. Our deductible is $6500 per person and I will not pay her medical bills, she is 23 and an adult. If she loses insurance she will have to apply for medicaid. I know that may sound mean but we learned when she was in rehab that since she was on our insurance nothing was paid and if she was on her own or had no insurance she would have been eligible for financial help. So we ended up paying 25,000 out of pocket for her rehab. [/QUOTE]
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