Christopher Thuer, CGCS said: Melvin Waldron, CGCS said: We have always stuck with Cobra, even as expensive as it was, but fortunately that was almost 15 years ago, I'm not sure the short term policies were available then?
But we had mitigating circumstances we had to think about at the time. Our son has Cystic Fibrosis, so we could not let coverage lapse at the time and him get denied because of a pre-existing condition.
If you and the family are healthy with no issues, it might be ok to go that that way of short term coverage, you might want to read the fine print and check your new employer's rules, the way I understood the ACA, if an illness did happen, you could still buy coverage on the exchange, I'm not sure how that rule would work with new coverage from an employer. And with all the politicians have been doing to the ACA in the past year and a half, I'm not sure what rules seem to be in effect anymore.
Good luck.
Mel
I could have written the exact same.
Mel, Make-A-Wish is sending us to St. Andrews next month. They couldn't get us on The Old Course even though Mr. Moir offered to help the foundation make the arrangements but the foundation was determined to do it themselves. By the time they tried the tee times were all booked. We do have a 3 day pass to play the others. We will enter the daily Old Course lottery and take our chances. Pretty cool experience for John no matter what plans the foundation comes up with for us.
That is awesome!
We kind of held off being so busy with band stuff during high school and Nick was probably doing everything he wanted to do except actually make a drum corp, he was doing winter drum lines, marching band and auditioning, next thing we knew he turned 18 and missed the chance of doing a Make-A Wish. But he has been lucky, never in the hospital, they did want him in the hospital for a week for IV antibiotics and he would have had to keep it up for a second week at home, because of a low PFT, he refused (being over 18, he could) because it would have interfered with winter drum line, he was more diligent with treatments and recovered just fine.
Dustin, I will add to the insurance issue, that at the time, our new employer did not have to cover a pre-existing condition, being they were self funded, even though we had previous coverage. I asked the question, not using our son's example, (the reason being a long story for another time) but didn't ask they right question, and we had gone to his CF doctor right before I started which triggered their pre-existing clause. Their rule was not to cover for the first year. They have changed all of that now, and have placed all the ACA rules into their plan, and we haven't had a premium increase in I think its been 4 years now.
Mel