JP
i can't believe they would say that! im sorry
i would be upset by that too
So we i called the New Hampshire Insurance Consumer Dept last week...Liberty Mutual (DHs employer), was trying to say that we are required BY LAW to have health care coverage. We could either take their offer or take someone elses but we HAVE to prove health care...well our insurance is Blue Cross Blue Shield of Massechusettes....and YES in the state of Mass, it IS law of have health insurance otherwise you get a fine of $1000 each year and possibly some other criminal stuff....BUT we live (and work) in the state of New Hampshire and i KNEW that is NOT a law here ("live free or die" baby
- state motto lol). So i contacted the Insurance Consumer Dept and they verified that we absolutly do not require coverage and it is NOT a law for NH residents and that we have EVERY right not to get it- Liberty Mutual and even Blue Cross of Blue Shield of Mass cannot legally require us to do such a thing since we are ONLY bound to New Hampshire law....okay so thats great, got that figured out...
THEN...we find out last night, that DH's employer is FORCING us to get health insurance (either theirs or any plan of our choice). That it is a REQUIREMENT for employment...that it would be ground for termination if steve chose not to be insured...well we thought that was crazy given that we pay $12,000 before insurance kicks in...how is it ethical or legal in any way to FORCE someone to pay for something?!...So we called the Labor Department of New Hampshire (this is issue is a labor employment issue, not insurance). The guy at the Labor Dept. said that if we have to pay ANY porition to meet their requirement, if they do not offer insurance at a free cost, then it would be illegal for them to force it...HOWEVER, Liberty Mutual says that if we do not enroll during open enrollment for this year, then he will AUTOMATICALLY be enrolled in coverage....we have no say...Well this Labor Dept. Consumer guy says them automatically enrolling us (which would require them taking a portion out of steves paycheck to pay it) and without steves signature, it would be ILLEGAL as hell! ...so the guy says, Don't enroll. Then when coverage starts (Jan 1st, 2012), and you get that first paycheck that they have deducted the cost out, then call him back and they will take legal action against liberty mutual...we are worried because what if DH looses his job
...but the guy said they would keep everything announymous and not give names....so im a bit concerned...but guess we gotta do what we have to do....we asked Liberty Mutual HR what the laws in NH was...we also said we do not object to insurance if there was something more affordable (last night we looked through quote after quote with other insurance companies and they were even MORE expensive). Insurance is costing us 15% of DHs income
So basically he is only making $45,000 per year, but he is worth more than that because he has a college degree AND experience (you're supposed to make more than someone without a degree
)...HR replies back and says "Sorry we cant direct you with help for other insurance options..." "and its a requirement to have coverage"....that was a huge F*cking help
...but at least we know the laws....blah! I guess it is what it is...but the older I get, the more i feel like this is not "The Land of the Free"
...im so stressed over this! Its not like we dont want coverage! Its just we CANNOT afford it and we are JUST over the income limits for govt help