mbrcatz
 |
Cobra's 18 months. If you're pregnant longer than 18 months, you've got a problem.
Does your husband's employer's plan have MATERNITY coverage? Not all plans do.
Also, he probably can't switch until the open enrollment period. Which means, you can't get added to his plan until open enrollment. Most companies, open enrollment is November, to be effective January 1st.
Likely, you can't "switch over" to his private policy, and likely, that private policy doesn't have maternity benefits anyway.
No one here will have better information. He is going to have to talk to his employer, about when open enrollment is. He'll have to see how much the employer will charge him, to sign up for a family plan. It MIGHT be more expensive than Cobra! See, cobra for just you, is probably going to run around $350 or so a month. The FAMILY plan, through his employer, probably costs about $1200 a month, and the employer probably pays about half of it - but maybe more.
Plus, if the plan is significantly cheaper than that $1200 a month, it's either going to exclude maternity, or have a big fat deductible with it.
Step 1. He needs to get plan coverage information. Step 2, he needs to find out when open enrollment is - which means, when he can sign up. Step 3, compare his plan with your plan, including maternity coverage, deductibles, and copays Step 4, pick which one works out better, once you know the timeframe of when you can buy the coverage.
Meanwhile, DO NOT let your current coverage lapse!!! Even if you have to pay $350 a month for he cobra. |
Lori S
 |
As long as the group still exits, you should be offered COBRA and it can last at least 18 months. But it will be expensive. Chances are, your husband's group insurance is cheaper.
In order for your husband to be added to his group coverage, he will nost likely need to wait until Open Enrollment (Oct-Nov) unless his employer allows late enrollment. Whatever time his employer allows enrollment, you can both be added.
He should check with his HR dept. to find out when Open Enrollment is and if there is a gap, you should elect COBRA to cover that gap if needed. |
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