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DH just cancelled health insurance at work.

August 29th, 2011 at 05:20 am

We've been switching health insurances since the baby was born to maximize our savings. First, I was on my own at my employer (before we had our baby family plan did not make as much sense).

They paid fully for my very complicated pregnancy and delivery-- providers billed us for almost 90K, and we only had to pay like $200).
After the baby was born, I added him to my plan while I was on my maternity leave.

Than, after I went on leave without pay for 3 months we all went on DHs plan(not to pay cobra), when I went back to work I got my insurance back with coverage for all of us, and we were double covered
for over a month to get baby's orthodic band fully paid for. It was out of network for my insurance.

Now, we will all go to my family plan, and it should save us close to $400 a month as opposed to all of us being on DH's plan.

How can we keep changing health insurance whenever convenient? Simple -- these are all qualifying life-changing events that allow you to do it outside annual enrollment campaign. Birth of the baby, leave without pay, return to work... are all qualifying reasons to change coverage. (You don't need a reason to drop coverage, you only need a qualifying reason to add it.)
I hope people know that, it can save them some money.
(Of course, one always has to confirm with individual employer.)

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