Insurance and DH found a job...
So DH found a job and starts work today however, I will be laid off in September. Skids are on my insurance and DH's new job doesn't provide medical insurance. Does anyone know if BM has to put the skids medical insurance if her employer provides it and DH will have to pay her extra with CS? CO states that DH has to pay $400 a month for medical support. DH said that he is going to talk to his lawyer. Has anyone if heard of continuing an insurance policy even it it's through an employer?
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COBRA is usually very
COBRA is usually very expensive since you have to pay the full policy. I would check the marketplace first, especially since you are being laid off.
If BM has insurance through her employer and the CO states that he can pay her $400 for medical, that might be the best route to go. Just talk to her.
Like with DH, I would start
Like with DH, I would start looking for a new job now and see if you get something before September. Then you can add the kids and DH again, and the only thing BM will know is that they have new insurance.
With your BM, I would do everything possible on your end first before talking to her. You have 6 weeks before you're let go at the earliest, so it may be entirely possible for you to find something before then.
Or, if you're tired of carrying it anyway, talk to an attorney and have them decide what to tell BM, how the CO may need to be changed, etc.
By medical support is that
By medical support is that blanket to cover bills and insurance? I am thinking not but just checking. It probably will be more expensive than 400/month to continue on with COBRA... however, you and your DH need to have insurance so I would go to the exchange and see what you would qualify both as a couple and also as a family plan. If the difference between the couple plan and the family plan is less than 400/month then I would go that route. Because, BM will magically decide that even if it is an incremental 150/month to add the kids to her plan that she is entitled to that full 400...unless the CO was written "up to 400" in which case she will need to provide proof of the actual cost.
Of course, he could try to be reasonable with her but he is passive aggressive to her so much.. I don't think she will go for just letting him pay the incremental difference to add the kids if it's less.
And... you have a few months to find another job that might offer insurance so I might not poke the snake until you HAVE to. Do your other research so you know your options.
Why does he owe BM $400 if
Why does he owe BM $400 if your household is paying for insurance? Surely the skids don't need that much medical attention on a monthly basis.. Or am I missing something?
I think that right now they
I think that right now they don't pay that 400... because they are covering the kids instead of BM.
So he has to pay that if BM
So he has to pay that if BM carries the insurance? That really isn't bad for two kids, right?
It only cost me about 800
It only cost me about 800/year on my employer's insurance to go from the employee plus spouse to employee plus family option.. so 400/month would have been a LOT more for me. Now if BM or her DH don't have plans like mine.. I guess it could cost more maybe even 400/mo...
You have really great
You have really great insurance. Many employers don't offer that.
I do work for a great company
I do work for a great company with pretty good benefits. I even have a pension... though current hires don't have the same plan for retirement
Get a job
with insurance!!! If you have to provide medical insurance, How do you take a job with out insurance??? And then try to mak everyone else responsible for you not doing what you are supposed to do.
Damn this is judgemental. I'm
Damn this is judgemental. I'm a medical provider and if you don't work for a large hospital you usually don't get benefits. We have health insurance but I would love to tell BM insurance isn't necessary and I can just see skids/write scripts when they need it. The look on her face would be priceless.
The CO language is very vague
The CO language is very vague. DH is contacting his lawyer I will keep you guys posted. Thank you for all your advice.
If the order doesn't explicitly say DH has to carry coverage
Then he's not under the obligation to carry coverage, just to pay the $400 a month in medical support.
That said, if she has to cover the skid on her insurance, she could request a modification to CS, which it sounds like would be a good choice anyway.
In our case
when Chef got a job that didn't have any affordable insurance, we switched skids to BM and of course EXTRA CS was involved although it cost her $50 extra a month via her cadillac county gov't position as a Child Protective Worker (I kid you not).
If Chef put them on the new small company's plan, it would have been $200 a week with fewer benefits--something he could NOT afford after paying massive CS.
They WERE on his benefits when he worked for a global company. Chef went to the smaller company as it was less physically demanding and good thing he did. That company shuttered in 2009 in our local area.