I guess this is what they call 'homesickness'
Jun 14th 2007, 6:25 pm
#137
Who?
Joined: Oct 2004
Location: Stepford
Posts: 3,098
Re: I guess this is what they call 'homesickness'
[QUOTE=Irn-bru;4914813]
I don't understand the company as what if I did work for walmart or another company that doesn't have good health insurance would that mean my OH employers would cease to cover me
QUOTE]
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
I don't understand the company as what if I did work for walmart or another company that doesn't have good health insurance would that mean my OH employers would cease to cover me
QUOTE]
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
Jun 14th 2007, 6:29 pm
#138
Lapine Member
Joined: Nov 2004
Location: Austin, Texas in my own little world
Posts: 21,691
Re: I guess this is what they call 'homesickness'
Most Americans would say that any kind of government-sponsored universal health care is 'socialised medicine' and in some senses that is accurate; however 'socialised' is practically a swear word here and for that reason the term can turn some folks off. However, Social Security is by definition and name socialised! So Americans do accept some socialised programmes, but it's definitely a can of worms argument.
Each country with universal care (preferred term) has its own system, rules, etc. You'd have to do some research as to the systems in Germany vs France vs wherever. It really is a research project of its own.
Each country with universal care (preferred term) has its own system, rules, etc. You'd have to do some research as to the systems in Germany vs France vs wherever. It really is a research project of its own.
Jun 14th 2007, 6:35 pm
#140
Lapine Member
Joined: Nov 2004
Location: Austin, Texas in my own little world
Posts: 21,691
Re: I guess this is what they call 'homesickness'
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
If the former, simply decline "crap insurance" you may receive through a job. If the latter.... well.... the justification is that a working spouse's company ought to do their bit to insure their worker and not fob them off on the spouse's company. NOW -- that's often horribly unfair to the working spouse if coverage is existent but crap -- but it happens.
If you lose coverage through a job either by choice or by termination of employment, that is considered a "qualifying event" and you'd be eligible to rejoin your husband's plan IMMEDIATELY. However, you may wish to COBRA your old insurance until you're sure that you're on your husband's plan (get insurance card etc).
I don't think COBRA is considered to be insurance available through your work since you wouldn't be working any longer -- so at least you wouldn't be forced to pay high premiums and exhaust your COBRA time (18 months) before joining your husband's plan. But if you really want to be safe and ensure no lapse in coverage, then COBRA until you are officially on your husband's plan.
In my case my employer contributes nothing to insuring my spouse, so they don't give a monkey's about whether he's got insurance offered. Then again, the cost is high.
Jun 14th 2007, 6:35 pm
#141
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,181
Re: I guess this is what they call 'homesickness'
FMI only if you don't want to get into a debate with everyone 
What is the French or German model and is that what they mean when they say 'socialised' medicine - us? And when 'they' say it doesn't work, what do they mean.
(I know the NHS has many problems or can improve and I am with others that want to fight for it to constantly improve etc but like the system)
sorry OP know I'm hijacking your thread won't be for long hopefully and will get back on track
What is the French or German model and is that what they mean when they say 'socialised' medicine - us? And when 'they' say it doesn't work, what do they mean.
(I know the NHS has many problems or can improve and I am with others that want to fight for it to constantly improve etc but like the system)
sorry OP know I'm hijacking your thread won't be for long hopefully and will get back on track
The German system is universal healthcare administered by insurance companies. It is strictly regulated by the government. All employees and their families *have* to be covered by law, and non-working people have their premiums paid for by the government.
I'm not really familiar with the French system, but I think it is quite similar to the German system, but with more flexibility regarding choice of doctor and treatment, and thus quite a bit more expensive, both individually and in terms of GDP.
Part of the problem of bringing the debate about healthcare in the US forward is the fact that many people seem to assume that 'universal healthcare' is the same as 'socialized medicine'.
Jun 14th 2007, 6:38 pm
#142
Lapine Member
Joined: Nov 2004
Location: Austin, Texas in my own little world
Posts: 21,691
Re: I guess this is what they call 'homesickness'
However 'socialised medicine' seems to conjure up images of the USSR treating people stacked ten to a bed whilst the people in the queue peel potatoes.
Jun 14th 2007, 6:52 pm
#143
who turned out the light?
Joined: Nov 2004
Location: WA
Posts: 7,997
Re: I guess this is what they call 'homesickness'
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
Thanks to Elvira and snowbunny for explaining the system re the UK and Europe
Jun 14th 2007, 6:53 pm
#144
In the pink
Joined: Oct 2006
Location: USA
Posts: 3,324
Re: I guess this is what they call 'homesickness'
[QUOTE=jumping doris;4914988]
I have a friend who is asked that - I think it's becoming quite common to do this. (Her insurance with OH company is free though). I think you could appeal it if you had inferior insurance offered - you would show them a copy of the policy. Or you could have both policies, yours and OH, and then everything would be paid, no deductibles. I've done that before. Or, if you work part-time, you probably wouldn't be offered insurance anyway, as apparently P/T people don't get sick!
I don't understand the company as what if I did work for walmart or another company that doesn't have good health insurance would that mean my OH employers would cease to cover me
QUOTE]
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
QUOTE]
Our insurance is like that. I am not included on it automatically at the beginning of each year. He has to ask for me to go on it and he has to say I am not receiving insurance from anyone else. They have said that occasionally they may ask employees to prove their spouse isn't working by looking at bank statements and tax returns!!!!
Like you I wonder what would happen if I had a job with inferior health insurance. I would have to come off his, which is quite good and then how easy is it to get back on?
Jun 14th 2007, 6:56 pm
#145
who turned out the light?
Joined: Nov 2004
Location: WA
Posts: 7,997
Re: I guess this is what they call 'homesickness'
Jun 14th 2007, 7:01 pm
#146
Joined: Mar 2003
Posts: 68,280
Re: I guess this is what they call 'homesickness'
I dont think I can do what you suggest ..
those stairs always really dig into my back ...
Jun 14th 2007, 7:10 pm
#148
who turned out the light?
Joined: Nov 2004
Location: WA
Posts: 7,997
Re: I guess this is what they call 'homesickness'
[QUOTE=Mallory;4915151]
I have a friend who is asked that - I think it's becoming quite common to do this. (Her insurance with OH company is free though). I think you could appeal it if you had inferior insurance offered - you would show them a copy of the policy. Or you could have both policies, yours and OH, and then everything would be paid, no deductibles. I've done that before. Or, if you work part-time, you probably wouldn't be offered insurance anyway, as apparently P/T people don't get sick!
thanks for info
I have a friend who is asked that - I think it's becoming quite common to do this. (Her insurance with OH company is free though). I think you could appeal it if you had inferior insurance offered - you would show them a copy of the policy. Or you could have both policies, yours and OH, and then everything would be paid, no deductibles. I've done that before. Or, if you work part-time, you probably wouldn't be offered insurance anyway, as apparently P/T people don't get sick!
Jun 14th 2007, 7:50 pm
#149
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,172
Re: I guess this is what they call 'homesickness'
If there is anything that keeps me awake it's the thought of people being without health insurance!! :curse:
I've just recently found out that a friend of mine has been without insurance since she got divorced a couple of years ago......... tales like that scare me shitless!!
I've just recently found out that a friend of mine has been without insurance since she got divorced a couple of years ago......... tales like that scare me shitless!!
Jun 14th 2007, 7:58 pm
#150
Lapine Member
Joined: Nov 2004
Location: Austin, Texas in my own little world
Posts: 21,691
Re: I guess this is what they call 'homesickness'
speaking of, did you hear about that couple yesterday in the hospital, she was sick as a parrot, but none of the doctors would help out, husband even called 911 for ambulance service but they wouldn't send someone already at a hospital....she ended up dying on the trolly in the corridor, because they didn't have insurance.
Do you have a web link?