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Substance Abuse
Should I take difficult child off our health insurance?
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<blockquote data-quote="Nomad" data-source="post: 409655"><p>There is some new kind of law that requires group policies to keep disabled children on the policies longer than typical. Usually, this type of thing is tied into school and/or family support. However, we were able to keep our difficult child on our policy due to this new law. Your deductible is so high, I'm not sure it makes a big difference, especially when it comes to things like see the doctor for birth control, etc. But if she ever needed surgery, I'm sure this would make a difference. I think I would hesitate to take her off the policy (for now).</p><p> However, I would find out what your legal responsibilities are in terms of medical debt. Our difficult child has primary and secondary health insurance. We have a form that we created with this information on it. If the bill is $10 or less, we usually pay it. If it is more...we send them the form which reiterates that difficult child is over 21 and responsible for her own debt and that they should double check that her insurance was filed properly with the two policies and include the proper information. I send this stuff out fairly regularly. difficult child goes to ER fairly often. Sigh.</p></blockquote><p></p>
[QUOTE="Nomad, post: 409655"] There is some new kind of law that requires group policies to keep disabled children on the policies longer than typical. Usually, this type of thing is tied into school and/or family support. However, we were able to keep our difficult child on our policy due to this new law. Your deductible is so high, I'm not sure it makes a big difference, especially when it comes to things like see the doctor for birth control, etc. But if she ever needed surgery, I'm sure this would make a difference. I think I would hesitate to take her off the policy (for now). However, I would find out what your legal responsibilities are in terms of medical debt. Our difficult child has primary and secondary health insurance. We have a form that we created with this information on it. If the bill is $10 or less, we usually pay it. If it is more...we send them the form which reiterates that difficult child is over 21 and responsible for her own debt and that they should double check that her insurance was filed properly with the two policies and include the proper information. I send this stuff out fairly regularly. difficult child goes to ER fairly often. Sigh. [/QUOTE]
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Should I take difficult child off our health insurance?
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