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Question for Big Blue
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<blockquote data-quote="bigblueagain" data-source="post: 4266" data-attributes="member: 909"><p>sorry but just now seeing this. And I really would not have any other answer to the question other than to suggest you do get him added to your policy. First check out if he will have a pre-existing condition declared. That could pop up as he went a period of time without coverage. Depends on your employer. Do you know if they are self insured or fully insured employer group. If self insured, ERISA does not apply and that is the law that allows companies from exempting people secondary to pre-exisiting. Also depends somewhat on the size of the company. I would also suggest really looking into what benefits your coverage provides......specifically in the mental health arena. Do they require medications be prescribed by a psychiatrist rather than just regular pediatrician? what is the total amount of outpatient visits allowed per year.......many cap the total at 20, which would be inclusive of all psychiatrist, counsellor and therapist visits? Also check with prescription card coverage as to your copays for generic, nongeneric and brand. There are usually levels. Hope this helps some. And is true, no one has to COBRA if they don't want to, even with court order. COBRA is sooo very expensive, that I imagine even if court ordred most can't afford it anyway. IS there a state health plan for underinsured children or those that don't qualify for Medicaid. These are pretty well established in most states now. Ours is called Kids First. BLUE</p></blockquote><p></p>
[QUOTE="bigblueagain, post: 4266, member: 909"] sorry but just now seeing this. And I really would not have any other answer to the question other than to suggest you do get him added to your policy. First check out if he will have a pre-existing condition declared. That could pop up as he went a period of time without coverage. Depends on your employer. Do you know if they are self insured or fully insured employer group. If self insured, ERISA does not apply and that is the law that allows companies from exempting people secondary to pre-exisiting. Also depends somewhat on the size of the company. I would also suggest really looking into what benefits your coverage provides......specifically in the mental health arena. Do they require medications be prescribed by a psychiatrist rather than just regular pediatrician? what is the total amount of outpatient visits allowed per year.......many cap the total at 20, which would be inclusive of all psychiatrist, counsellor and therapist visits? Also check with prescription card coverage as to your copays for generic, nongeneric and brand. There are usually levels. Hope this helps some. And is true, no one has to COBRA if they don't want to, even with court order. COBRA is sooo very expensive, that I imagine even if court ordred most can't afford it anyway. IS there a state health plan for underinsured children or those that don't qualify for Medicaid. These are pretty well established in most states now. Ours is called Kids First. BLUE [/QUOTE]
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