Another health insurance question...
March 31, 2012 11:53 AM Subscribe
Another health-insurance question - how to deal with an unexpected loss of coverage for my GF. Which of our options is best?
posted by FreelanceBureaucrat to law & government (17 answers total)
My longtime, cohabiting, girlfriend (we're a hetero couple) is likely to be losing her health insurance as of Monday due to a change in her employee classification. Since she'll still be working, she likely won't qualify for government aid. She does have a few pre-existing conditions — none of which are life-threatening — and requires more than one prescription. We are in Minnesota, FWIW.
After some research, our options seem to be the following:
- She can begin paying for COBRA. This seems like the safest option, but is also just a means to an uncertain end (i.e. finding a new job, lucking out and having her status changed back, etc.). Plus the cost of this sounds intimidating.
- She can look for an individual plan. We're worried about the cost-value ratio and the possibility of being turned down due the fact that she will need to make prescription claims almost immediately. I've read about health insurance brokers who can help with this kind of thing — does anyone have experience with this?
- We can become domestic partners. My job allows domestic partners to share coverage. Neither my job nor our local laws specify that a couple has to be same-sex to quality for the status or for sharing benefits. Has anyone had experience with this? Am I correct in thinking the DP-ship is less of a legal/financial entanglement than marriage, which we're not quite ready for (see below) Furthermore, does anyone have thoughts on how common it is for employers to offer DP coverage that doesn't exclude opposite-sex couples?
- We can elope. This would guarantee coverage but it seems to be an overkill option. We do plan to get married, but want to do so in our own time and this seems like a decision with numerous financial and legal implications that shouldn't be rushed.
Any thoughts, red-flags, obstacles we haven't thought about, recommendations, or other insights? Many thanks.