How to keep Health insurance from being cut because of low hours?
Posted by Dolores
l.miller008 asked:
My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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February 9th, 2010 at 10:09 pm
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Any way she can pick up extra hours for awhile? It’s pretty common that part time employees aren’t eligible for health benefits.
February 11th, 2010 at 2:24 am
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Since her losing the insurance is due to a drop in hours, this is a qualifying event which will enable her to be added to her husband’s insurance before open enrollment. Since pregnancy cannot be counted as a pre-existing condition, she will have the insurance she needs for her pregnancy and delivery. Her husband should check with his HR to see how they coordinate this.
Good luck!
February 11th, 2010 at 6:23 am
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Her husband should advise his HR rep that his wife is losing benefits due to a reduction in hours at her employer. That should be considered a qualifying event and allow her to be added without waiting for open enrollment.
Otherwise, she should inquire with her current employer to confirm whether she will be COBRA eligible. But I’d go with the husband’s coverage first…COBRA premiums are expensive! (You pay 100% of the total premium + an administrative fee.)
February 14th, 2010 at 4:52 pm
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Yes, agreed…she’ll qualify to be added to the husband’s coverage, plus she may be eligible for COBRA as well.
February 16th, 2010 at 11:38 am
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You can’t. You can’t make them keep her on there, the insurance company won’t allow it.
She’s going to have to take COBRA coverage with her current employer - although I strongly suggest that her husband COULD add her - her losing coverage through her employer should be a qualifying event, to get around the open enrollment issue.
February 17th, 2010 at 10:13 am
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