My husband just informed me that his company didnt pay the insurance premium for Oct, and on Nov 1st, we wont have insurance. OMG! The company is going bankrupt slowly, and this is just one of the many surprises we have encountered. If they didnt pay for Oct, and here comes Nov, then what? If they pay Oct, then we will have coverage in Nov, we did have coverage in Oct, even though they didnt pay it. We paid our premiums out of my husbands paycheck. Can we contact someone about this? Dont they have to give us notice if we wont have insurance? The HR dept is gone, they have all been laid off. We cant even get cobra, since he is actually still working there. If he quits, there will be no unemployment, and they said they will NOT lay him off. My kids have dr apts in Nov. Now what do I do? One of my kids may have to have surgery in Nov. I cant pay that out of pocket.

__________________
A mother holds her children's hand for awhile; their hearts forever.

It's illegal for them to take the money our of your check and then not use it for paying the insurance I believe. Personally I would be looking for a new job if he can? It doesn't sound like this one is going to last anyway and I would rather be in comtrol than not know what will happen next.


ANd reschedule all appointments until you know what's going on unless you can get them in in the next 2 days.

Good luck!

__________________
"A true friend is someone who thinks that you are a good egg even though he knows that you are slightly cracked." ~ Bernard Meltzer

Did the company take the money out of your DH's check? or did you take the money out of the check? If they took the money and it was specified for Insurance Premiums then they need to provide the insurance, and if they don't I believe it would be considered some type of fraud.....I hope you can get things worked out....

((((((HUGS)))))))

__________________
"You can never really pay back. You can only pay forward."

Wayne Woodrow “Woody” Hayes

O-H-I-O

A basic Dr. Apt only runs $70 here. That is for a sick visit with a physical running $120. I know that is a lot of money but it is probably less then what they take out of his checks. However the surgery is a different thing. Is there a way to get emergency medical from the state? I would look into that. Also call your insurance provider and maybe they can help you get a cobra plan.

op call the health insurance company directly and inquire about your policy and if the payments were made, if/when it is up for cancelation...if your dh's employer is not paying the health co, they can cancel the plan as long as they follow state law for timeframes/notification etc -

Here is a link to your state insurance code -
Insurance Code and
scroll to Title 8 - Health Insurance and other Health Coverages

you can contact the state insurance dept to report violations. but more importantly make sure you are covered and will be covered in the future. good luck -

As this lady stated, be calling now. Both the insurance company and the insurance commission in your state if they took the money out of the paycheck. Do it now and best of luck.

dl

I called the texas dept of insurance, and they said they cant help. They said the employer has the right to offer insurance or not. If they dont offer it, then I have to find it somewhere else. well, that didnt help me

I called the insurance company UHC, and they said they can only tell me if I have current coverage, not if the premiums were met or not. They said I can call back and see if I have coverage in a day or two. Otherwise I have to call HR dept to check. There is no longer a HR dept at his company. Now what?????????????/

__________________
A mother holds her children's hand for awhile; their hearts forever.

Tomorrow I would call the TX Department of Insurance back and try again. Forget your first call, start over. Their job is to regulate insurers and I think maybe you need to get past the person who answers the phone. Be clear this isn't about if the company has to offer insurance, that it is about a company that does actively provide insurance and yet you have been dropped.

Do you have pay stubs showing insurance withholding? This would be in your favor. Again, the best of luck. It is such a hassle for the little guy to deal with the machine.

dl

Department of Labor, Wage and Hour division possibly. Insurance Commission is not going to step in on this one. It's an employee/employer issue.

If they took the premiums out of his check with the understanding that they were for the insurance then they have committed fraud.

__________________
Mental that one, I'm telling you. ---Ron Weasley, "Harry Potter and the Chamber of Secrets"

See if you can pick up insurance at your work- your employer has to allow you to pick up insurance out of the sign up period if there has been a major life change in your household.

I don't think that this would qualify as a life change by the definition used by most companies.

GET A LAWYER who specializes in employment/employee rights law.

__________________
Mental that one, I'm telling you. ---Ron Weasley, "Harry Potter and the Chamber of Secrets"

Loss of coverage is a qualifiable event at my company, fwiw. Been there and done that.

cj/

__________________
I was walking home one night and a guy hammering on a roof called me a paranoid little weirdo. In morse code. -Emo Phillips