Quote:
Originally Posted by Atocep
My god health insurance is a nightmare of confusion and unnecessary bullshit.
My son turned 23 in January. He's had Tricare under my ex wife since he was around 5 years old. Tricare allows children to stay on the plan, as long as they're a full time college student, until they're 23. So as soon as he turned 23 he was dropped from her plan. She didn't tell us. The only way we happened to find out is the trainer for his college baseball team recommended he get an MRI to check the healing on a shoulder injury. We looked into it and found out he had actually been dropped by tricare ok the 20th of December, which was the last day of his previous semester.
This left us scrambling to figure out insurance for him. Medicaid in Nebraska is God awful. If we put him on a plan in Washington he'd have to fly back here to get anything done so that's not realistic. So my wife and I started looking into plans for him on our employer's insurance. Now my wife is retired army so I have insurance through her and neither of us use our employer health plans. She works for Washington state and I'm a federal employees. The state uses Regeants, which isn't contracted with the hospital in Hastings Nebraska. I have a variety of options through FEBH. To get him insured under a life changing event (loss of coverage) I had to elect into a plan that I don't need with him added as a plus 1 for $550 a month so that he has decent health insurance. The deadline is this Thursday and the person that processes enrollment for the Defense Health Agency was wonderful enough to email me back and confirmed our submission for enrollment was going to be accepted.
Tricare has a young adult plan that offers coverage from 23 until 26, but runs $700 a month. So continuing Tricare coverage wasn't happening.
We had been sweating this for the past 2 weeks knowing that if we didn't get some sort of confirmation by the 20th that he may not have insurance until next year after open season in December.
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A large percentage of the people that don't want the government involved in healthcare have Tricare, Medicare, and/or Medcaid. Working in healthcare and direct patient care is really eye opening when you start talking coverages and such with patients. Why anyone except the healthcare companies themselves would want this system we have is beyond me.