We were sure it was coming. But still.
Remember my saying insurance companies look back through your records up to 20 years to look for something to deny you coverage over?
Our daughter aged out of ours and we’ve got her on COBRA while we can, at nearly four times the rate of private health insurance. Same company, same coverage.
They denied her attempt to get her own policy, in part because she had a) a cataract sixteen years ago as a young child (which she fully disclosed) and because b) she had the surgery for it.
Wait–what?!
The note from the insurance agent said to try again if we keep up the COBRA the full 18 months it’s good for: by that point, the insurance might be required to take her on.
Might. If. If. If healthcare reform happens. If it does, my normal, young, healthy daughter will be able to pay premiums and help support the system. If it does not, COBRA will end, we can’t cover her even with an inflated price, and she will have no coverage. Should anything major happen to her that would keep her from working, she will have no choice but to be a burden on the taxpayers even though that’s the last thing she wants to do.
Note that our premiums didn’t go down in the slightest with three kids aged out.