Is this legal? Health Insurance Deductions (how to, good, available, poor)

[Kibbiekat]

Originally Posted by AdotAllen

Ok, first I want to say, I'm surprised at how many of you got snippy with the OP. As she mentioned, she didn't have insurance in a long time, and wasn't sure how it worked.

My question is this -for those of you who said this was perfectly normal to have insurance deductions withdrawn from your paycheck before you sign up - What if she never signed up-What if she chose to forgo the insurance?

Please tell me how it would be right for money to be withdrawn for insurance that she is not participating in.

That's not what she said. Money was withdrawn for the month of May. She enrolled in the month of may and could have used the insurance.

I understand being annoyed by these kinds of things. I am wondering, though, how much insurance the OP would have used in the month of May. If she paid for something out of pocket, she could still submit a claim. If she didn't use it, it will be only the first of many many months that are paid for but not used.

We were all confused because she answered her own question on the 1st page of the thread. You are covered and pay for the month in which you enroll. She enrolled in May and paid for May. We answered her main question - is this legal (yes), and SHE got snippy with every poster.

The OP needs to use this as a learning experience, make sure HR knows their info is unclear (although that's debatable. They give you so much info it would have been easy to miss), and move on.

[Kibbiekat]

Originally Posted by wireyourworld

Thanks for that.

But if I didn't sign up no withdrawals would have been taken, but it also would have been almost a full year until I had the chance to sign up.

I still don't understand how the concept isn't just to make money though.

The concept of insurance IS to make money. That's why the health insurance system needs some major changes. But that's a different conversation.

[wireyourworld]

Lets stick to the new issue.

Raising rates without notifying me, an open enrollment that none of my peers knows about, and in fact they told one guy he could not make changes just 3 days ago because it was not open enrollment.

[wireyourworld]

Originally Posted by veuvegirl

Insurance cards take time. The blurb is probably somewhere in the mounds of paperwork, you just missed it. But what they are doing is standard.

There were no mounds of paper, just a simple online form.

[thebunny]

Originally Posted by wireyourworld

And I said earlier that I understood I would be deducted. I'm not sure why since it was not made clear to me that I could have used the insurance without having yet paid for it.

Really some of you people should both actually read all posts before responding, and then think real hard on if your response will be useful.

And, some OP's should think if they really need to ask a question. You were told, IN WRITING that your effective date would be 5-1-13 and that you would be charged from the effective date no matter when you actually signed up.

So, as you knew that, and we know you knew it because you POSTED IT IN THE ORIGINAL POST...why did you ask?

I read your post.

Wondering how in the heck you managed to be confused was my HONEST response.

[wireyourworld]

Originally Posted by ohiogirl22

Find a new job

Starting tonight. Have to rework my number 4 version of my resume, the dumbed down one, to be a little smarter and with emphasis on my management experience and achieved goals.

[wireyourworld]

Originally Posted by thebunny

And, some OP's should think if they really need to ask a question. You were told, IN WRITING that your effective date would be 5-1-13 and that you would be charged from the effective date no matter when you actually signed up.

So, as you knew that, and we know you knew it because you POSTED IT IN THE ORIGINAL POST...why did you ask?

I read your post.

Wondering how in the heck you managed to be confused was my HONEST response.

You're wrong. I said I knew I would be deducted for the month i was ELIGIBLE, there was NOTHING about an EFFECTIVE date until AFTER I enrolled.

I am not going to speak to that point again.

[thebunny]

Originally Posted by wireyourworld

And I said earlier that I understood I would be deducted. I'm not sure why since it was not made clear to me that I could have used the insurance without having yet paid for it.

Really some of you people should both actually read all posts before responding, and then think real hard on if your response will be useful.

Wow, you really want someone to say "Oh poor you, you were not able to get something for free and get one by the company" So, I said it. Does that make you feel better?

I really need a sarcasm font.

[thebunny]

Originally Posted by manderly6

You can lead a horse to water......

But you can't dunk him in it repeatedly until he figures out what is going on....

[thebunny]

Originally Posted by wireyourworld

You're wrong. I said I knew I would be deducted for the month i was ELIGIBLE, there was NOTHING about an EFFECTIVE date until AFTER I enrolled.

I am not going to speak to that point again.

Does your insurance policy cover mental health care? Seems to me that you may need some coping mechanisms to deal with things not being exactly as you want them to be...