Good news on Insurance Front?
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| Sat, 10-31-2009 - 1:51pm |
For those of you reading, keep in mind I live in Canada. Basic Health care is free but not dental and some vision tests, prescriptions, ect.
When my ex husband and I bought this store I now own, we enrolled in a health insurance plan(vision, dental, death and dismemberment and a small amount of life insurance) offered for small businesses. Well two and half years later I decide to take him off the plan. I had been paying for it and keeping him on because he didn't have any thing like it at the time and he was paying for my accounting software updates etc on his personal visa. I pay for the software updates now and he is on his girlfriends plan with her job she got about 6 months ago.
I have slowly been getting things in my name and it is a lot of work and can be very costly. As some of you know I had a personal credit line with all my debt on it with both of our names on it. Well I got that in my name eventually but because it was just me you have to close it and reapply. Well I didn't have much of a credit rating on my own so the interest rate was higher but worth it to have in my own name. That is all paid off now yeah me!
So here I am running into something similar. I had to basically cancel this insurance and reapply to have it in my name with me as the primary. I have my kids on it too. If I didn't have the kids I would scrap this idea all together but I do have an obligation to them for good dental etc. I have other(small) life insurance with them as the beneficiaries separate that I pay monthly on. So I go through the motions thinking if there is one less adult on this plan I could probably pay less premiums right? Wrong. The insurance guy I was talking to said it would be the same because it is a family plan. Fine, whatever, I need coverage go ahead and process the forms. He said it would be no problem. Well.......I phoned back yesterday to see if I have new cards coming in the mail because I should get the kids and myself to the dentist......and he says there is a problem because I have worked for the company for so long and now I am a late applicant. What? I said are you telling me I am not covered right now and the payment just came out of bank account? And he said pretty much. Wow! He says he is going to try to fix it and get it to go through. This is not cheap coverage. It costs me $300 a month. I pay it through my business but it is from profit!! That is $3600 bucks a year! Three people could come close to that in dental if you have something go wrong and need a root canal or something. Although, that being said I bet between myself and the kids we didn't even use $500 last year. None of us are on any medications!
Anyway to the good news! I asked my bf if he could get us on his plan and we sent my kids and mine birthdays and full names to their human resource dept on Friday. I need to find out what all is covered but between my ex husband's coverage and my bf's coverage this might actually work and be soooo much cheaper! That would help my business so much over a year and even three months!
I am going to try to find my bf's paperwork he received when he first got his job over a year ago and see what is covered. I will be super excited to phone my insurance guy and tell him I don't want this coverage, to quit trying and I still want a refund because I was not even covered last month!
It might take me all day to clean the office area and search for this info but it could be really worth it. Plus I will likely tidy and and clean at the same time. I think I am excited! Fingers crossed!



That would be