AboutLinda Woolsteen Expertise I can help you with questions about health insurance. If you feel your insurance company is mistreating you. Are they telling you they are checking eligibity, pre-existing, etc. Or you just don`t understand how your insurance works or don`t understand what a PPO is.. I can help you.
Experience
Past/Present clients One company I worked for I was the underwriter for the Academy of Medicine of Cleveland and the Ohio Bar Association. I was also a supervisor of our customer service department.
Question Hello!
I've been divorced for approx 1 yr (12/07). For the past 8 yrs I have had health insurance through my husband's family plan (they only offer family or single coverage). Part of our divorce decree is that my Xh would continue to cover me through his plan as long as it didn't cost him any more than it would to insure just the children (it doesn't- he has the family plan). But now his company is telling him that he can no longer keep me on his plan becasue we are divorced. Again, I've been on this same plan for 8 years, the last year already divorced without having any problems at all!
This came up last year but they looked into it and decided that I could be kept on. Now an outside company is looking into the insurance for my xhusband's company and they are the ones telling him that I no longer can be covered. Why all of a sudden it's changed, I don't know.
Can they legally kick me off his plan?
I appreciate any assistance you can give me.Grace
Answer Hi, well the most likely went along & let you stay on because it is already a "Family" plan, just like you said. The problem falls in the Eligibility Requirements. Usually, to be eligible you have to be a spouse (thus the reason a lot of gay couples have problems & want their state to consider their union or marriage legal...) Usually, the premium rate for a woman is higher on policies because of the maternity, etc. So, when they found out, they probably wanted to take you off.
The problem with the new insurance is just that also... you need to be a spouse to be eligible for the coverage. I always laugh when courts say such things because, just because they say someone "has to cover someone" that doesn't necessarily mean it is going to be possible.
You know, I am a firm believer that everything happens for a reason. Sometimes we are unaware why it is happening at the time.
I think I would rather get setteled in a plan of my own. Because.. if for some reason you should become uninsurable due to a health problem and try to get it, you most likely won't either because they will not accept you or the cost could be to high.
Its all about eligibility. If you look in your Certificate Booklet under "Eligibility" you'll see what I mean.
