Keeping adult kid on insurance

HImom
Wed, 28 Oct 2015 17:52:43 +0000

We gave our S the option and he chose to stay on our insurance which was the same premium for us. He stayed on our plan until he aged out at 26, even tho his employer would have paid 2/3 of the cost of a great plan for him. When he turned 26, he enrolled in his own plan that still allows him to see our dentist and not sure about the other healthcare providers. He claims he has MDs that he sees in VA, but I have my doubtssssssssss.

We talked to our insurer and they said there was actually no benefit of himi having two plans, which he COULD have had. They said that unless he had a lot of medical expenses, it wasn’t worth it to him to pay premiums on a 2nd insurance, so we didn’t bother hassling him about it. He’s not taking any meds and only sses the dentist when he visits for the holidays. He sometimes sees the optometrist as well.

A high deductible plan isn’t that great, IMHO, as it serves as a disincentive to seek care–the patient knows they will have to pay for all of it out of their own pocket, so that $500 will go fast and then he will have to pay 100% of his care for the next $$$$ until the total deductible is met.