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Why can't I add my mother to my blue cross/Blue shield health insurance and she lives with me? |
I provide her primary support. In fact, I am her only support. I want to add her onto my insurance with my dependents but I was told I can't do that. I don't understand why insurance carriers will not allow us to add her to my health insurance that is sponsored through my employer. It's not like I wouldn't be paying my own portion. If there are ANY insurance experts out there that know about Blue Cross/Blue Shield of Georgia or any loopholes, please send me information. I love my mom dearly and she can't afford her own insurance or anything which is why I take care of her but I can't pay for individual insurance either because that would be quite costly for me as a single parent. If anyone knows anything about this I would love to hear of it. Thanks much! It's actually very simple. Your employer is paying Blue Cross/Blue Shield for particular services. They agree to cover you. They may also agree to cover your children or spouse (not all employer-based health insurance programs do even that). But for every dependent that they agree to cover, BC/BS charges the employer. So, the contract puts in limits. They won't cover your brothers, your sisters, your cousins, or, as you have found, your mother. It's purely a financial decision, based on a couple of factors. First, as explained above, it costs the company money. Second, adults are presumed to have their own ways of paying for health care. They are assumed to have their own jobs, or to have their own private insurance, or to have Medicare, or something. Your mother may be an exception, but your employer doesn't see that as its problem. Frankly, I can't really blame them. Lines have to be drawn somewhere, and saying spouse (or, sometimes, domestic partner) and children, makes about as much sense as anything else. Good luck!! she is a legal adult and not your dependent You just can't add her. Get her an individual insurance plan through Anthem, blue Cross. They aren't that expensive. Susan is right. Though FYI I did see a news story within the past week that this is changing. The newest thing in employer benefits is to allow you to put your parents on your company insurance provided you are their primary caregiver. But as it is a new thing, not many companies are doing it yet. 'Fraid that just how it works today. Your employer may not want you to add your mother as a dependent if they are paying part of your health insurance benefit. This may be because she is older, probably has more health care needs than you would. At the end of the day, your employers would have to pay too much money to maintain your mother's healthcare via part of the insurance premium they pay. This is why your employer will not allow you to add your mother as a dependent. BlueCross/BlueShield would be more than thrilled to have your mom insured by them because she would have to pay one of the highest premiums. However, I'm pretty sure your employer placed that limit on which dependents their employees can add in their insurance benefits. Your employer does not want to pay high insurance premiums esp. if the person being insured is not even their employee, but a beneficiary through the employee. Actually, she IS your dependant if you pay for more than 50% of her living expenses and provide for her health care. Call your healthcare provider to see the loopholes. Although she is an adult, you do care for her, which should opt you into adding her onto your healthcare plan. The rules of the group are actually designed to protect the group, as strange as that probably sounds to you. Group health insurance rates are based on the composition of the group (employees) and the group's claims experience. Employers try to offer group coverage as a way to attract and keep employees. They may or may not provide coverage for your spouse and/or dependents. Your mother, while she may be technically dependent on you, is not defined as a dependent by the rules of the group. Moreover, the rates for spouses and dependents are set (based on the statistical averages in relationship to the age and health of the insured employee.) Those figures would go right out the window if you started adding other family members to the mix. This is actually in the best interest of everyone in the group. If you think your rates are high now (and you probably don't even realize how high, because your employer is likely paying some portion thereof), I assure you that they would increase exponentially if the insurance company had to start factoring in the rates for inclusion of other family members. They won't approve this request. They'd be violating their contract filed with the state if there did so (and once again, those laws are actually in place to protect all the members of the group.) Now, there's the possibility that she may qualify for Medicaid if she has no personal assets. But I'm no expert in that area. |
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