We live in FL. My wife is a new surrogate. As part of the surrogacy contract, the intended parents must buy her health insurance for the duration of the surrogacy, which they plan to do through the ACA. My question / concern is, what do we do about her insurance after the surrogacy ends?
Is losing health insurance that was provided by a surrogacy contract considered a qualifying event that would allow me to add her to my work plan at that time?
If not, I suppose I have to put her on my plan for the entire year. I don’t like that option though for two reasons. One, that’s an extra $600 / month or so for something that we shouldn’t need. Two, I don’t like the idea of her having overlapping insurance plans fighting over jurisdiction, finger-pointing for bill paying, etc.
I know about short-term health plans that we could use to get us through the rest of the year, but we’ve already been on them for a while now due to the expense of my job’s plan, and I don’t like the idea of pushing our luck any further, especially with the potential for post-pregnancy complications and most short-term plans not covering anything related to pregnancy, even if it’s not surrogate related.
We could continue to pay the ACA ourselves for the remainder of the year, but that will probably be super expensive because I’m pretty sure the intended parents are going for a more full-coverage plan considering the circumstances.
submitted by /u/throwaway612147
[link] [comments]We live in FL. My wife is a new surrogate. As part of the surrogacy contract, the intended parents must buy her health insurance for the duration of the surrogacy, which they plan to do through the ACA. My question / concern is, what do we do about her insurance after the surrogacy ends? Is losing health insurance that was provided by a surrogacy contract considered a qualifying event that would allow me to add her to my work plan at that time? If not, I suppose I have to put her on my plan for the entire year. I don’t like that option though for two reasons. One, that’s an extra $600 / month or so for something that we shouldn’t need. Two, I don’t like the idea of her having overlapping insurance plans fighting over jurisdiction, finger-pointing for bill paying, etc. I know about short-term health plans that we could use to get us through the rest of the year, but we’ve already been on them for a while now due to the expense of my job’s plan, and I don’t like the idea of pushing our luck any further, especially with the potential for post-pregnancy complications and most short-term plans not covering anything related to pregnancy, even if it’s not surrogate related. We could continue to pay the ACA ourselves for the remainder of the year, but that will probably be super expensive because I’m pretty sure the intended parents are going for a more full-coverage plan considering the circumstances. submitted by /u/throwaway612147 [link] [comments]Read Morer/HealthInsurance