Tuesday, February 1, 2011

How to keep health insurance from being cut due to low hours

How to keep health insurance from being cut due to low hours?
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.
Pregnancy - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There is a way around it. My husband was able to add me even though it wasn't enrollment time. You just have to prove that its a situation that cant be helped. Its an emergency and there shouldnt be any problem.
2 :
Her husband ought to be able to add her now anyway because there is a change in her employment status - from full time to part time. Anytime a spouses employment status changes that qualifies for what the insurance companies call a life event - employment status change, marriage, birth, death, etc. Life events allow year round changes to insurance coverage. If that fails, your sister should be offered COBRA where she can pay for the insurance herself (unfortunately the full amount) for up to 18 months.
3 :
He should be able to change now if she went from full time to part time. Also, as soon as the baby is born, he can put the baby on his coverage ASAP.
4 :
even if her husband could add her it wouldn't cover the pregnancy because it's a pre existing condition. all she can do is lie to medicaid. let her say they are separated and she's living with you. she will need a statement from you confirming this and pay check stubs from her job. she will not have to count anyone else's income.
5 :
emm, check the article from thi site: http://andyhealthinsurance.blogspot.com/

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