Frustrating Client Tricks

First off, let me be clear that it's the client (and myself) that's frustrated. It's just that kind of situation:Mary is divorced, and has custody of her teenaged son.She is responsible for his health care expenses, but her ex- is supposed to provide health insurance. Unfortunately, he is not terribly reliable: he is frequently unemployed (and uninsured), and he doesn't always let Mary know whether or not their son's actually covered.In order to alleviate the stress of that inconsistency, Mary has always kept her son on her insurance. Due to some recent employment woes, she purchased a subsidized ObamaPlan from the Exchange.A few weeks ago, her ex- contacted her to let he know that he'd found new employment, and that he and their son would become active on the new group plan on February 1. This presents her with something of a dilemma:Once her son is on the group plan, he is no longer eligible for a subsidized plan. And according to Mary, she will also lose her subsidy (although she can keep the plan itself). Since I came into the picture after she'd already gone through the 404Care.gov subsidy eligibility hoops, I really can't confirm this, so I've just taken her at her word.She also knows, from previous experience, that she really needs to keep her son on her plan, lest her ex- bail on the insurance requirement (yet again).She asked her agent about what to do, and he referred her to me (this happens with some regularity).I turned to my trusted posse (a group of colleagues a...
Source: InsureBlog - Category: Medical Lawyers and Insurers Source Type: blogs