She has diabetes and had cancer. He says that no one will give her insurance because of her medical history. Is this true? Are there alternatives? What are other options?
They are legally separated.
2007-06-03 09:11:42 · 13 answers · asked by Perrie C 1 in Business & Finance ➔ Insurance
NO this is not true!
If he works and the insurance is provided by the employer she can qualify for COBRA through the divorce/separation clause. Also, she is entitled to continue these benefits for 36 Months - not 18 months - this is because of the above mentioned clause.
Qualifying Events for Spouses:
Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct
Reduction in the hours worked by the covered employee
Covered employee's becoming entitled to Medicare
Divorce or legal separation of the covered employee
Death of the covered employee
After she fulfills her COBRA obligation she can qualify for a HIPAA plan.
Hope this helps!
2007-06-04 04:50:44 · answer #1 · answered by Rick 3 · 0⤊ 2⤋
That may not be totally true. In some divorce situations, the ex- can stay on the same medical insurance until they remarry or are able to get insurance of their own thru work or whatever. It might depend on the state, but it could be based on individual settlements.
I've seen it where the new wife has the ex and the kids on her plan.
2007-06-03 19:40:15 · answer #2 · answered by zippythejessi 7 · 2⤊ 0⤋
There has to be some kind of guarantee issue coverage in the state they reside in. That is part of the HIPAA Federal Laws. Either the insurance companies that do business there cannot turn them down, or there is a High Risk Pool they can be a part of. The premiums are high, and the coverage is limited, however. Usually the lifetime maximum is $500,000.
Other than that, she can get a job with group health benefits and get her own coverage. Another part of HIPAA law is the portability of coverage if there is no more than a 63 day lapse in coverage. Contact an independent knowledgeable agent in your area to assist you.
2007-06-03 16:19:04 · answer #3 · answered by nurse ratchet 6 · 2⤊ 0⤋
It may be very difficult for her to get insurance coverage, especially if her current health problems prevent her from seeking a job on her own that would come with health coverage. Also, depending on the plan, pre-existing conditions might not be covered.
This puts you in a very tight spot, of course. If you were to discontinue the relationship because he refuses to get a divorce, I don't think anyone would be able to fault you. If you love him, and truly feel that his previous relationship is over, he might just be a really nice guy who remains friendly with his wife.
Follow your heart.
2007-06-03 18:07:21 · answer #4 · answered by fawkesphoenix 3 · 0⤊ 0⤋
Oh, please. I was employed by someone like that, he used the wife as an excuse, so he'd NEVER have to get married.
I would NOT be in a relationship with a married man. Period.
Yes, if they get divorced, she'll have to come off his health insurance. She'd have a tough time getting coverage on her own, unless she's disabled - then she can get medicare. If she's NOT disabled, then she can get it through her employer. If she's not employed, then he's supporting her . .. which tells you EXACTLY where you stand. He's married, supporting his wife. You're the other woman.
2007-06-03 21:19:36 · answer #5 · answered by Anonymous 7 · 2⤊ 2⤋
If she cannot work this may be true...regardless of this fact what are you doing with a married man??? Women who go for married men are getting what they ask for. Even if he were to leave his wife and marry you...he has proven himself to be a cheater and you know what they say about cheaters!!!
2007-06-03 16:44:10 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Thought I had heard them all,,,,,,then you posted this. You are being used dear lady you just have not figured it out. Would also check out the so called legally separated. And even if he is it looks more like he wants to, and will be with her again.
2007-06-03 16:18:11 · answer #7 · answered by Pengy 7 · 1⤊ 2⤋
Well if they are legally separated, I think you are good. BUT if they live together, then I would RUN not walk to the nearest door.
2007-06-03 16:19:24 · answer #8 · answered by birdiegirl 3 · 0⤊ 1⤋
No it's not. He'll have to pay through the nose for it, though. Only you can decide how far you want to go with this, but it doesn't look good.
2007-06-04 11:00:55 · answer #9 · answered by Bostonian In MO 7 · 0⤊ 1⤋
if they are seperated she woulnt get insurance either hes playing you them men know how to try to work you find someone new. if she was so sick and he loved her hed stay with her hes playing ya for a fool
2007-06-03 16:23:06 · answer #10 · answered by Anonymous · 0⤊ 1⤋