General Discussion

Ms. Toad

(38,834 posts)

20. Generally the way insurance works -

Mon Mar 10, 2014, 08:01 PM

Mar 2014

is that there is a per person deductible/out of pocket max and a family one (typically double, no matter how many family members there are).

So if it is just the two of you, what you were forced to do has the same result as if you had been able to put her on your plan.

But it isn't clear why you can't have a single family plan covering children through age 26. Mine is through my employer, but it covers my 23 year old daughter. (per person limits for all 3 of us that run separately until (1) one of us reaches the per person limit or (2) the three of us combined hit the family limit - with the family limit double the per person limit.)

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Any healthcare navigators here? [View all] Glitterati Mar 2014 OP

Yep, pretty much Warpy Mar 2014 #1

So she's just screwed? Glitterati Mar 2014 #2

Call any (responsive) representative you have...state and federal... CTyankee Mar 2014 #3

I have tried that as well Glitterati Mar 2014 #5

She's got a lot of company, too Warpy Mar 2014 #4

She DOES qualify to be on my subsidized plan Glitterati Mar 2014 #6

This is clearly insane, then Warpy Mar 2014 #8

Her job situation WILL improve, she does seasonal work Glitterati Mar 2014 #10

We ran into a similar problem scorpiogirl Mar 2014 #7

OMG, what a total clusterf**k! Glitterati Mar 2014 #9

Yes! The bureaucracy is the worst. scorpiogirl Mar 2014 #12

I just realized I have been working on this since November 1 Glitterati Mar 2014 #16

I wonder if a class action suit against the state would work in a state like Georgia where they are jwirr Mar 2014 #30

We need an attorney willing to bring this case Glitterati Mar 2014 #36

Sounds a lot like my problem and why I will not get Insurance. I'll take the fine. Cofitachequi Mar 2014 #11

Your income is too low for you to be fined. missingthebigdog Mar 2014 #14

yet, more than one third of my income cannot go to healthcare. Cofitachequi Mar 2014 #41

As written, the ACA would be providing your care virtually free. missingthebigdog Mar 2014 #43

Reaaly? On my behalf you're going to HOPE for CHANGE. Thanks. Cofitachequi Mar 2014 #44

Excuse me for trying to be nice. missingthebigdog Mar 2014 #45

My sis has been dealing with the incompetent navigators for weeks. Skip Intro Mar 2014 #13

Oh, don't I know it!!!! Glitterati Mar 2014 #15

sucks when the right wing is right. Cofitachequi Mar 2014 #42

OK, the latest from healthcare.gov Glitterati Mar 2014 #17

her income will be considered for your "shared" out-of-pocket Schema Thing Mar 2014 #18

Even if she's on a separate policy? Glitterati Mar 2014 #19

well, no, it shouldn't be considered in that case Schema Thing Mar 2014 #21

I went for a great plan - Humana Silver Glitterati Mar 2014 #23

Generally the way insurance works - Ms. Toad Mar 2014 #20

OK, that makes sense Glitterati Mar 2014 #22

The separate policy doesn't make sense to me either. Ms. Toad Mar 2014 #24

The hoop jumping is insane! Glitterati Mar 2014 #28

WHY do they have "enrollment periods" at all? It's ridiculous. LiberalEsto Mar 2014 #25

It does make sense. subterranean Mar 2014 #26

Because that is how folks game the system. While most of us pay in Hoyt Mar 2014 #27

The sad thing is Glitterati Mar 2014 #29

The problem is with the people leading your state and making decisions. bluestate10 Mar 2014 #46

Well, the FIRST thing that has to happen is for DEMs to get on the ballots Glitterati Mar 2014 #48

My 30-year-old daughter hasn't had health insurance for years LiberalEsto Mar 2014 #31

Your daughter will qualify for Medicaid Glitterati Mar 2014 #32

Thanks! That's very good news. nt LiberalEsto Mar 2014 #33

That's different, and I get it. But, there are people who think it's OK to go without and then Hoyt Mar 2014 #37

It's stupid and arbitrary Glitterati Mar 2014 #40

Enrollment periods come around every six months, so the next one should be in May. bluestate10 Mar 2014 #47

Medicaid caseworker here Puzzledtraveller Mar 2014 #34

Any idea what the delay is? Glitterati Mar 2014 #35

What state are you in? Puzzledtraveller Mar 2014 #38

Georgia n/t Glitterati Mar 2014 #39