Case....................

Oct 27, 2016

  1. Tkruger
    Offline

    Tkruger Guru

    Posts:
    1,191
    Likes Received:
    1
    State:
    Florida
    Hus and wife have OCare plan. Wife is prego and has met moop. Wife gets new job while prego and said job offers a "Free" Bronze version of coverage and a Silver "Premium applies" plan.

    Wife due in late Dec early January. Employer plan begins November.


    IMO she's screwed. Can't keep Exchange plan due to employer coverage being offered. New plan in Nov means either a $ 5,500 or $ 6,850 bill for the childbirth (Clearly depending on how smooth that goes)

    What options do the new parents have?
     
    Tkruger, Oct 27, 2016
    #1
  2. Krball
    Offline

    Krball Expert

    Posts:
    70
    Likes Received:
    1
    State:
    New Hampshire
    Unless the cost of the plan for her is greater than 9.66% of household income, then I can't think of any other way out.
     
    Krball, Oct 27, 2016
    #2
  3. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,139
    Likes Received:
    4,409
    State:
    Illinois
    That sucks! I wonder if they voted for O'bama?:err:
     
  4. taterpeeler
    Offline

    taterpeeler Guru

    Posts:
    6,999
    Likes Received:
    15
    State:
    Texas
    keeping the current plan would result in a payback of any subsidy for Nov and dec. 60 day sep for birth of child and go to group with jan 1 effective date.

    Question, i don't do group ANN, can they do that with the sep for birth?
     
  5. mschlange
    Offline

    mschlange Super Genius

    Posts:
    135
    Likes Received:
    1
    Could she not waive coverage, take out an individual plan for 2016 receive no subsidy pay full premium and when child is born this would be qualified event and she should be able to enroll on the group plan then
     
  6. Slade
    Offline

    Slade Expert

    Posts:
    45
    Likes Received:
    0
    State:
    Nebraska
    Why can't she do both? Enroll in the group plan and keep her current coverage without the tax credit until the baby is born. After the baby is born, drop the individual coverage.
     
    Slade, Oct 27, 2016
    #6
  7. rcduggan
    Offline

    rcduggan Super Genius

    Posts:
    175
    Likes Received:
    4
    State:
    California
    ding ding ding we have a winner! make sure you notify this person NOT to use her new card provided by her employer until after the 1st of the year.
     
    rcduggan, Oct 27, 2016
    #7
  8. mschlange
    Offline

    mschlange Super Genius

    Posts:
    135
    Likes Received:
    1
    Only problem if she has baby in January she still might have more out of pocket if there are problems if she only files under the individual plan. If hospital finds out they would coordinate benefits and group would trump individual.
     
  9. rcduggan
    Offline

    rcduggan Super Genius

    Posts:
    175
    Likes Received:
    4
    State:
    California
    why would she be working in her 3rd trimester to begin with?
     
    rcduggan, Oct 27, 2016
    #9
  10. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,139
    Likes Received:
    4,409
    State:
    Illinois

    Because she's TOUGH AS NAILS!:yes:
     
Loading...