[Question - Insurance]
(Hopefully I've included enough [Question - Insurance] tags to get past the auto mod)
Sort of a complicated and oddly specific question here. Not sure if this is the best place to find an answer but I'll give it a shot
My employer provides health coverage for employees and their families. They also offer buyouta for employees who are receiving coverage through a family member, and buydowns for people who want the insurance for themselves, but have family receiving coverage from another source. I got married on the 1st, and now fall into that second category - I want to keep my current insurance, and my husband wants to keep his. My employer considers getting married to be a "qualifying life event" that allows me to change insurance options outside of the usual open enrollment period (I have until Friday to file for such changes).
The issue I'm having is that when I've asked for help from my payroll department, they've given me information that is just objectively inaccurate. It's just a matter of them telling me that the relevant forms say one thing, when they actually say another, but the result is that they're telling me to fill things out in a way that seems an awful lot like me telling them to just straight up cancel my insurance, rather than just give me an extra ~$200/month in place of coverage for my husband.
I'd like to believe that they actually know what they're doing, but nothing about the organization I work for inspires confidence, and I absolutely need to have health insurance. Even trying to go a few months without it would be a financial disaster for me. So what I'm trying to figure out is, in the event that I did submit paperwork as instructed and then found that they'd cancelled my coverage as a result, if there would likely be any recourse other than waiting until next year to resume coverage or finding a completely different job.
Basically, I'm wondering how set in stone these enrollment periods are. Is it just that they don't want to have to deal with changing people's coverage all year long, or is there some kind of firm legal reason why it can only change during open enrollment or after "qualifying events", or does this all just depend on the insurance company and/or employer?
This has been a [Question - Insurance] type post.
0 nhận xét:
Đăng nhận xét