What to do when the insurance runs out?

mom2lillian · Oct 20, 2007

hello,

This is so tough.

I believe my suggestions have already been mentioned but when the policy gets near its end DH may have to switch jobs. While he does or if its not possible it would be best for you to get a PT job with insurance OR have him leave early enough so that you can pay cobra to cover the gap if that is in your budget --very expensive! I am not familiar with buying your own insurnace but you may want to look into that though I imagine there would be a pre-existing clause so you may have to pay in a bit early to have it full when you need it.

In addition just to throw out there that truly benefits to me are more important to me than how much I make because it can make a much bigger difference to us CF'ers. My job has 5 plans I can pick from and two different providers so if I were to max out one I would switch to the other provider. YOu could also hope that hubbies company gets merged or soemthign of the like as that will also most likely change you to a new provider or plan and start the clock over.

I am sorry that you are having to deal with all of this so early. And by the way stay at home moms are great and important, definately not silly or stupid.

take care

oh one more thought dont know what type employer hubby works for but maybe a smaller company he is vital to would be willing to fire him and rehire him the next week? This would start things over, a bit shady but you never know some companies might do it.

mom2lillian · Oct 20, 2007

hello,

This is so tough.

I believe my suggestions have already been mentioned but when the policy gets near its end DH may have to switch jobs. While he does or if its not possible it would be best for you to get a PT job with insurance OR have him leave early enough so that you can pay cobra to cover the gap if that is in your budget --very expensive! I am not familiar with buying your own insurnace but you may want to look into that though I imagine there would be a pre-existing clause so you may have to pay in a bit early to have it full when you need it.

In addition just to throw out there that truly benefits to me are more important to me than how much I make because it can make a much bigger difference to us CF'ers. My job has 5 plans I can pick from and two different providers so if I were to max out one I would switch to the other provider. YOu could also hope that hubbies company gets merged or soemthign of the like as that will also most likely change you to a new provider or plan and start the clock over.

I am sorry that you are having to deal with all of this so early. And by the way stay at home moms are great and important, definately not silly or stupid.

take care

oh one more thought dont know what type employer hubby works for but maybe a smaller company he is vital to would be willing to fire him and rehire him the next week? This would start things over, a bit shady but you never know some companies might do it.

mom2lillian · Oct 20, 2007

hello,

This is so tough.

I believe my suggestions have already been mentioned but when the policy gets near its end DH may have to switch jobs. While he does or if its not possible it would be best for you to get a PT job with insurance OR have him leave early enough so that you can pay cobra to cover the gap if that is in your budget --very expensive! I am not familiar with buying your own insurnace but you may want to look into that though I imagine there would be a pre-existing clause so you may have to pay in a bit early to have it full when you need it.

In addition just to throw out there that truly benefits to me are more important to me than how much I make because it can make a much bigger difference to us CF'ers. My job has 5 plans I can pick from and two different providers so if I were to max out one I would switch to the other provider. YOu could also hope that hubbies company gets merged or soemthign of the like as that will also most likely change you to a new provider or plan and start the clock over.

I am sorry that you are having to deal with all of this so early. And by the way stay at home moms are great and important, definately not silly or stupid.

take care

oh one more thought dont know what type employer hubby works for but maybe a smaller company he is vital to would be willing to fire him and rehire him the next week? This would start things over, a bit shady but you never know some companies might do it.

mom2lillian · Oct 20, 2007

hello,

This is so tough.

I believe my suggestions have already been mentioned but when the policy gets near its end DH may have to switch jobs. While he does or if its not possible it would be best for you to get a PT job with insurance OR have him leave early enough so that you can pay cobra to cover the gap if that is in your budget --very expensive! I am not familiar with buying your own insurnace but you may want to look into that though I imagine there would be a pre-existing clause so you may have to pay in a bit early to have it full when you need it.

In addition just to throw out there that truly benefits to me are more important to me than how much I make because it can make a much bigger difference to us CF'ers. My job has 5 plans I can pick from and two different providers so if I were to max out one I would switch to the other provider. YOu could also hope that hubbies company gets merged or soemthign of the like as that will also most likely change you to a new provider or plan and start the clock over.

I am sorry that you are having to deal with all of this so early. And by the way stay at home moms are great and important, definately not silly or stupid.

take care

oh one more thought dont know what type employer hubby works for but maybe a smaller company he is vital to would be willing to fire him and rehire him the next week? This would start things over, a bit shady but you never know some companies might do it.

mom2lillian · Oct 20, 2007

hello,

This is so tough.

I believe my suggestions have already been mentioned but when the policy gets near its end DH may have to switch jobs. While he does or if its not possible it would be best for you to get a PT job with insurance OR have him leave early enough so that you can pay cobra to cover the gap if that is in your budget --very expensive! I am not familiar with buying your own insurnace but you may want to look into that though I imagine there would be a pre-existing clause so you may have to pay in a bit early to have it full when you need it.

In addition just to throw out there that truly benefits to me are more important to me than how much I make because it can make a much bigger difference to us CF'ers. My job has 5 plans I can pick from and two different providers so if I were to max out one I would switch to the other provider. YOu could also hope that hubbies company gets merged or soemthign of the like as that will also most likely change you to a new provider or plan and start the clock over.

I am sorry that you are having to deal with all of this so early. And by the way stay at home moms are great and important, definately not silly or stupid.

take care

oh one more thought dont know what type employer hubby works for but maybe a smaller company he is vital to would be willing to fire him and rehire him the next week? This would start things over, a bit shady but you never know some companies might do it.

sue35 · Oct 20, 2007