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Been talking to my mom and according to her, I'm still on her insurance. She works for Kaiser, and gets coverage for her kids until they're 25 or married. She just never told them I moved away and got married and still has me under her address and policy. If she calls and says, "Gee, I "forgot" to tell you that my daughter got married and moved away; is there any way she can pay and continute coverage?" they may allow me to pay immediately and continue coverage as a professional courtesy. I'm not sure how much it would be, I'm not sure what would be covered (although Kaiser tends to be pretty good), and I'm not sure that I feel good about my mom being dishonest on my behalf. (She never took me off becuase according to her co-workers, it's much harder to get coverage back if you take someone off, and she was hedging her-- well, my-- bets in case something like this ever happened.)
Posts: 21182 | Registered: Sep 2004
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I don't know how far professional courtesy stretches with Kaiser but my experience would lead me to believe they will say no.
Maybe I'll be wrong (I hope so!) but I don't see any insurance company taking on the extra liability involved with covering someone they don't have to. And, they will consider the day you got married as the day you were no longer eligible for coverage, so it won't be as if you have had coverage up til now - there will still be a coverage gap.
Posts: 14428 | Registered: Aug 2001
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Belle, she's personal friends with these people. She's worked for the company 15 years. They may just give her a little leeway.
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But if she has to lie, then doesn't that open her up to possibly being charged with insurance fraud?
She may have worked personally with some people every day, but that doesn't prevent someone in the fraud division from reacting if they see something fishy come across the desk. Kaiser is a HUGE company, she can't possibly know everyone that might potentially be involved in this.
I guess I'm just a coward, but I wouldn't do it, personally. The risks are too high, even if you save some money what will it be worth if there's legal trouble?
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This was her idea, not mine. As I said, I feel uncomfortable about it. But I really doubt they'd do that.
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Absolutely don't lie about it, but it wouldn't hurt to ask -- "My daughter got married and I didn't change her insurance right away, could she begin paying for coverage now?"
Posts: 9866 | Registered: Apr 2002
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I have an OB/gyn friend from medschool who works for Kaiser. I doubt she knows anything about how it works. She's out of town for her grandma's funeral now.
I suppose it would be bad to turn to this new job insurance (in two months) and suggested this wasn't a preexisting condition because you had Kaiser? Only more like, imply it somehow. I suppose that wouldn't work. They'd want documentation. Anyway, think about options in that direction too.
Posts: 1014 | Registered: Jul 2005
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Jeff just called the LA county Dept. of Health and Human Services, and a pregnant woman does indeed count as two. Therefore, I will qualify for MediCal. *huge sigh of relief*
Posts: 21182 | Registered: Sep 2004
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You usually don't have to pay for anything that is medically necessary. (Meaning, if you want a private room, you pay for it, but otherwise, you don't have to.)
Posts: 21182 | Registered: Sep 2004
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Now that I'm not so anxious, I'm starting to really be excited. I wasn't expecting this, but I guess that doesn't mean it can't be a nice surprise. Posts: 21182 | Registered: Sep 2004
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Hey kq... will your two be two years or less apart? I have a double stroller I don't need and I know from experience that they're handy with that age difference.
Hmmm. I've never tried to ship anything like that, would it be worth the effort?
Posts: 251 | Registered: Apr 2005
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They'll be about two years exactly apart. I don't know where you are, but give me an e-mail and we'll talk. Posts: 21182 | Registered: Sep 2004
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(Looking at shipping rates on ebay, it seems to tend somewhere around $50 for a double stroller, although some types are less. We'd definitely be willing to pay that kind of shipping if you don't mind packing it up...)
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