A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Dumb question about insurance - sm

Posted: Oct 01, 2014

My husband just recently got a new job with better insurance that started on September 1st and I decided to switch to his insurance and drop MModal's. I didn't have all the info able to do this until last week, so we had double coverage for September. When I gave the cancellation info to MModal, I marked that his insurance began on September 1. My question is this: Will I see any of the money back that I paid in for insurance on my September paychecks since I was covered elsehwere?

I doubt that you will, but Im not expert...-sm - cheated

[ In Reply To ..]
You are lucky that you could switch. I had my husband's insurance and HAD to switch to MModal because his employer requires that if your spouse is eligible for coverage elsewhere (their employer) then they have to get it there. Insurance sucks!

No way..will you get money back - sm

[ In Reply To ..]
your responsibility to make sure the other coverage is cancelled. Some people do opt to carry two insurance companies

I tried to cancel. - sm

[ In Reply To ..]
I actually tried to cancel it before September 1, but they wouldn't do it until I provided information (proof of coverage) that I couldn't get until a week ago. Trying to drop insurance was like pulling teeth.

Will you have to pay penalty for using spouse's insurance? - TXMT

[ In Reply To ..]
If I try to switch to my husband's insurance, there is a penalty for not using insurance provided by my work. Same if he tried to get on my insurance, there is penalty too.

Nope. - sm

[ In Reply To ..]
At least not yet anyway. That was the main reason why we switched, not to mention it was also nearly $100 cheaper per pay period (family plan).

Penalty by who? - thats a new one on me. NM

[ In Reply To ..]
x

Mmodal insurance does this as well - sm

[ In Reply To ..]
If you and your spouse both are offered insurance plans from your respective places of employment, but your spouse declines their plan and is put on yours, then you have to pay a $100/month fee extra. A "spousal surcharge." Lovely, isn't it?

welcome to obamacare - sm

[ In Reply To ..]
legally they cant drop you without proof anymore..Remember insurance coverage is now mandatory not your own choice

My Story - see msg

[ In Reply To ..]
My husband and I had private insurance (not through either of our jobs) and I was the policy holder. Then, his company he works for finally offered insurance that was more affordable than it had been. However, to put me on his was too expensive.

So, I cancelled him off my policy and they lowered the monthly rate to include just me, then sent a check for the "double pay" for the month.

I am soon to start a new job that offers insurance, and I am hoping that Mr. O isn't going to make me pay an extra $100 per month. My husband's place of business still offers insurance for me, but it is way too expensive.

Speaking of O-Care: When I was unemployed, we didn't qualify for a subsidy because my husband's place of work offers it to spouses. The price was off the wall and we could not afford to put me on it, but that didn't matter to O-Care. We still did not qualify for help.

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