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Substance Abuse
Should I take difficult child off our health insurance?
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<blockquote data-quote="rlsnights" data-source="post: 408593" data-attributes="member: 7948"><p>I would take her off if it was me. If she can't be trusted to live in your home why would you provide her medical coverage?</p><p></p><p>Maybe it would be helpful for you to think about what it would take for you to be willing to take her back into your home. Then consider whether you think it's likely that will happen in the next year. If not, then what difference (objectively speaking) does it make that you only made her leave last week? been there done that and I know it's still really raw and painful that you had to kick her out. But try to take a minute and set that pain aside to think rationally about this.</p><p></p><p>There is coverage for serious illness/accidents if she has no resources through Medicaid. If it's something that's not covered like an abortion then she will have to figure it out.</p><p></p><p>We were faced with this decision for difficult child 1 and opted not to do it after talking it over with our attorney. The attorney strongly advised against it mostly because it would create further ties/entanglements with this kid who was completely out of control.</p><p>If the new health care legislation survives reasonably intact, you should be able to add her back on up until 2014 if she gets her act back together. There may be a pre-existing conditions clause, it depends on your State.</p><p></p><p>Could your own policy be cancelled or the premium raised or the coverage changed if she continues to incur huge bills? Something to think about.</p><p></p><p>You should also check your State's laws regarding medical debt and how long you are legally responsible for providing for your child. Some states require you to provide for your child until age 21. Yikes. If you have an attorney or a legal plan, you might check with them about the legal requirements and responsibilities in your State.</p><p></p><p>Normally, if you do not sign anything saying you are responsible for her debt and you are not required to provide for her under State law then you would not be responsible for her medical debts even if she were on your insurance.</p><p></p><p>Another option - you could check the EHealthInsurance website for the cost to get her an individual policy to see how it compares to the cost of keeping her on your own. If you really want to provide her with health insurance you could buy her an individual policy so you cannot be construed to be responsible for her bills in any way.</p><p></p><p>Good luck.</p><p></p><p>Patricia</p></blockquote><p></p>
[QUOTE="rlsnights, post: 408593, member: 7948"] I would take her off if it was me. If she can't be trusted to live in your home why would you provide her medical coverage? Maybe it would be helpful for you to think about what it would take for you to be willing to take her back into your home. Then consider whether you think it's likely that will happen in the next year. If not, then what difference (objectively speaking) does it make that you only made her leave last week? been there done that and I know it's still really raw and painful that you had to kick her out. But try to take a minute and set that pain aside to think rationally about this. There is coverage for serious illness/accidents if she has no resources through Medicaid. If it's something that's not covered like an abortion then she will have to figure it out. We were faced with this decision for difficult child 1 and opted not to do it after talking it over with our attorney. The attorney strongly advised against it mostly because it would create further ties/entanglements with this kid who was completely out of control. If the new health care legislation survives reasonably intact, you should be able to add her back on up until 2014 if she gets her act back together. There may be a pre-existing conditions clause, it depends on your State. Could your own policy be cancelled or the premium raised or the coverage changed if she continues to incur huge bills? Something to think about. You should also check your State's laws regarding medical debt and how long you are legally responsible for providing for your child. Some states require you to provide for your child until age 21. Yikes. If you have an attorney or a legal plan, you might check with them about the legal requirements and responsibilities in your State. Normally, if you do not sign anything saying you are responsible for her debt and you are not required to provide for her under State law then you would not be responsible for her medical debts even if she were on your insurance. Another option - you could check the EHealthInsurance website for the cost to get her an individual policy to see how it compares to the cost of keeping her on your own. If you really want to provide her with health insurance you could buy her an individual policy so you cannot be construed to be responsible for her bills in any way. Good luck. Patricia [/QUOTE]
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Should I take difficult child off our health insurance?
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