- 1,896
Nice to see some parents using some common sense and telling kids to grow up.
Uninsured adult kids' parents won't pay for health care - Jun. 9, 2011
Uninsured adult kids' parents won't pay for health care - Jun. 9, 2011
Stay on Your Parents Plan Until Age 26? Um, No.
- Thread starter stuy119
- Start date
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Guest
Guest
I wish what you said were true (or truer, is that a word?). The experience in this office is we get alot of parents who pay for their kids to get an indy plan instead of putting them on their group plan. It can be cheaper for them. The thing is the parent is still paying instead of the "kid". Our record for that was a guy who was 46, and is 70 something mother was paying, plus she was trying to be the only contact in the app process. She kept saying her son was "too busy" to deal with it. We kept trying to tell her about HIPAA, to no avail. Never did finish with that one.
She called me, I think, after she tried your office. Same story - a mid-40's man whose mother was buying his insurance and wanted to control the app process...
I have two clients in their 40's, mom paying for coverage. Another was started but mom never finished.
It actually fell apart when talking with the son and he told me his mother said to say he was a non-smoker so he could get a lower rate. I refused to go along with that.
Mom called a couple of weeks later wanting to know what the hold up was. I told her if their intention was to submit an application with false information they needed to go direct, I would not enable them.
It actually fell apart when talking with the son and he told me his mother said to say he was a non-smoker so he could get a lower rate. I refused to go along with that.
Mom called a couple of weeks later wanting to know what the hold up was. I told her if their intention was to submit an application with false information they needed to go direct, I would not enable them.
I have a case similar to that one ... Grandmother pays for both her daughter and grand-daughter ... Neither of whom work and both live at grandmother's home ... But the 'Kids', one in her 30's other in 50's, don't want to change plans or benefits to bring the cost down at all ...
I really do feel a bit sorry for the grandmother on one hand, but the on other hand she is letting her grown offspring deplete her monthly income from social security rather rapidly ...
I really do feel a bit sorry for the grandmother on one hand, but the on other hand she is letting her grown offspring deplete her monthly income from social security rather rapidly ...
- 4,096
I think this new law will lead to group plans covering no portion of dependent children. Company resources should not go to paying for slacker premium.
Actually, I have a lot of kids in there mid 20's where the parents pay for the premium. I really don't care. It's not my role to give out parenting advice. My job is take care of the client no matter who pays the premium.
Actually, I have a lot of kids in there mid 20's where the parents pay for the premium. I really don't care. It's not my role to give out parenting advice. My job is take care of the client no matter who pays the premium.
- 630
We are just making a social commentary. I for one don't turn down the business either. It's just is hard when mom wants to handle the entire process, including medical questions, etc instead of just handing over a credit card or bank draft form, and leaving it up to "little Johnny" to get the app done. Starts to blur the line of medical privacy.
- Thread starter
- #8
- 1,896
I do too, and that's their issue to deal with. If they're going to pay and it's legit, I'm not saying no to free money.
As commentary, when are these parents going to retire? Many of them are working at 50-55, with kids out of school and working, and have no retirement savings (or limited savings). I want to say something, but it's really not my place, as you mentioned.
I remember my parents telling me when I turned 18 that I was out of the house, either to get a job and a place or head to college. If the choice was college, they would keep me on their plan; if not, good luck. Seemed the best advice looking back.
- Staff
- #9
- 586
Problem is most adult kids simply can't afford health insurance.
How do you expect someone under 25 to spend half-a quarter of what they make every month on health insurance?
$8-$10 an hour(10-30 hours a week) and a $100-$300 premium with an outrageous deductible, that just doesn't work for most young adults.
How do you expect someone under 25 to spend half-a quarter of what they make every month on health insurance?
$8-$10 an hour(10-30 hours a week) and a $100-$300 premium with an outrageous deductible, that just doesn't work for most young adults.
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