You are here

Health Insurance ????? HELP

stepsonhatesme's picture

Submitted by stepsonhatesme on Tue, 07/31/2012 - 8:40am

My kids have been on the state medical for IDK it seems like forever. Now the state changes it rules and counts StepParents income. WTH!! Anyway, my DH makes to much so now my kids have no medical insurance. His insurance policy does NOT cover stepkids. The only way his ins. would cover them is if he were to adopt them. But BS is almost 18 and BD is 16 but it would cost us almost $1000 just for him to adopt her.
My BS is ADHD and ODD, his meds would cost us out of pocket well over $1600 a MONTH!!! There is no way we can afford that.

So my question is .....Does anyone know of any good, but really affordable health insurance in Ohio??

Comments

12yrstepmonster's picture

Submitted by 12yrstepmonster on Tue, 07/31/2012 - 10:55am

Ask his employer if its in your divorce decree that you maintain insurance if that will get them covered. I didn't think they could restrict coverage anymore.

stepsonhatesme's picture

Submitted by stepsonhatesme on Tue, 07/31/2012 - 11:18am

I did call DH insurance company and that is what they told me...that my kids (his SK) cannont be added.
My XH is ordered to have insurance on them....and NEVER has.

Siferra's picture

Submitted by Siferra on Tue, 07/31/2012 - 11:29am

Great advice here.

Also, typically an event that would cause a loss of other coverage would be considered a "qualifying event" to add to your DH's insurance. You probably won't have to wait until open enrollment

stepmomto3bioto1's picture

Submitted by stepmomto3bioto1 on Tue, 07/31/2012 - 11:14am

Hello! I am also here in Ohio. My DD8 is on my DHs insurance, her step fathers insurance. My advice would be to bypass the HR or his work- call the 1800 number on the bk of your card- ask to add the kids. You will need to give them DOB & SSN for both children. Then this is the important part. Explain they were just dropped off of state aide. You will need to send them the Cert of Prior Ins in order for there not to be pre existing conditions. Plz plz plz do that part so there is no lag in covg of your sons medds. Loss of state aide in Ohio, will bypass the open enrollment & allow quick covg!!! But-- you MUST send them that paper Ohio Medicaid sent you showing ending of covg or the new ins can refuse to pay the medications under pre- existing. Hope this helps. Was an underwriter Wink

stepsonhatesme's picture

Submitted by stepsonhatesme on Tue, 07/31/2012 - 11:21am

The actaul insurance company would probaly cover the kids.....but it is written right into the handbook(of the company where my DH works) that they do not cover SK. So the insurance company cannot cover my kids b/c of the rule from DH company. Grrrr

stepsonhatesme's picture

Submitted by stepsonhatesme on Tue, 07/31/2012 - 11:56am

I just called the insurance compant directly. Told them that my place of employment doesnt offer insurance and that my kids were just taken off of state medical. I asked them if there was anyway what so ever that we could add them to my DH coverage....They said NO it is X (Dh place of employment) policy not to add any SK for any reason, no matter what the circumstances are.

Im almost to the point of taking $400 and going back to court and getting the visitation order changed first,(since right now it is supervised visits) that would have to be changed to unsupercised visits then changing custody of my son to my XH....I know he would be able to get on the medical card again and his meds would be covered. BS wants to live with XH anyway, and it would be less stress on all of us.
(even if XH wanted CS from me the most he would get might be $20/month)

My BD the only time she sees the Dr is for her depo shot every 3-4 months....So if we had to pay that out of pocket we could handle that, I'm sure.

borrowedtime83's picture

Submitted by borrowedtime83 on Tue, 07/31/2012 - 6:49pm

I know how you are feeling right now, my kids and I are on state medical, and my fiancee and I had planned to get married this fall, but his income alone would make us ineligible for any assistance at all. So, essentially, we can't afford to BE married. Just to give myself an idea, I started looking up insurance coverage. After I paid all of my childcare costs and medical insurance, I may as well not go to work anymore. My daughter is also ADHD and ODD and has to quarterly see an MD and RX to fill every month, as well as having therapy appointments, so out of pocket is not an option. I just can't believe that a company would not allow a step-child to be insured! I thought you could insure anybody as long as you paid for it.

stepsonhatesme's picture

Submitted by stepsonhatesme on Tue, 07/31/2012 - 7:35pm

Yeah I thought we should be able to put them on there to. When I got with DH, he had himself, SS21 and SS19 on his insurance. But technically SS21 isnt even his son....that is HIS SS from when he was MMM. But when him and MMM got married they put all of them on the insurance.
Just pisses me off.

I was almost further ahead before we got married. My kids and I had full state medical coverage, and now I have to pay( for my meds and copay on all dr visits). and My kids have no insurance.