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re: Healthy Insurance Question
Posted on 9/10/15 at 12:51 pm to LSUFanHouston
Posted on 9/10/15 at 12:51 pm to LSUFanHouston
quote:
The IRS is not allowed to use their collection powers (liens, levys, garnishments, etc) to collect the penalty. However, if you EVER are owed a refund, federal or state, they can keep some of it to apply to the penalty. Even if that refund is years later.
Hmmmm, I purposefully don't withold much so as not to have a refund. Is there a limit on the amount of years they have to claim this?
quote:
Because otherwise, on the way to the hospital, I'd call and sign up. However, when you start a new job, you are allowed to enroll no matter what time of year it is (you may have a waiting period for eligibility).
Yea I understand that concept. I had insurance for about 3/4s of the year and genuinely just forgot to enroll. I was about to go to get my eye exam and was unsure of my vision plan so I called up Cigna only to findout I hadn't enrolled. I figured I would just backpay all the premiums I missed, but they said this wouldn't work.
Kinda annoying. I know they have these things in place to keep people from jobbing the system, but I was in the middle of a cross-country move, starting a new job and just genuinely forgot.
Posted on 9/10/15 at 1:06 pm to FootballNostradamus
quote:Any possible qualifying events happen to you since your 31 day enrollment period closed? If so you can enroll now:
Kinda annoying. I know they have these things in place to keep people from jobbing the system, but I was in the middle of a cross-country move, starting a new job and just genuinely forgot.
1.Change in legal marital status, including marriage, death of a spouse, divorce, legal separation and annulment.
2. A change in the number of dependents, including birth, death, adoption, and placement for adoption.
3. A change in employment status of the employee, or the employee’s or retiree’s spouse or dependent, including termination or commencement of employment, a strike or lockout, a commencement of or return from an unpaid leave of absence, a change in worksite, and a change in working conditions (including changing between part-time and full-time or hourly and salary) of the employee, the employee’s or retiree’s spouse or dependent which results in a change in benefits they receive under a cafeteria plan or health or dental plan.*
4. A dependent ceasing to satisfy eligibility requirements for coverage due to attainment of age, student status, marital status, or other similar circumstances.*
5. A change in place of residence of the employee, retiree or their spouse or dependent and the current carrier is not available.
6. Significant cost or coverage changes (including coverage curtailment and the addition of a benefit package).
7. Family Medical Leave Act (FMLA) leave.
8. Judgments, decrees or orders.
9. A change in coverage of a spouse or dependent under another employer’s plan.
10. Open enrollment under the plan of another employer.
11. Health Insurance Portability and Accountability Act (HIPPA) special enrollment rights for new dependents and in the case of loss of other insurance coverage.
12. A COBRA-qualifying event.
13. Loss of coverage under the group health plan of a governmental or educational institution (a state’s children’s health insurance program, medical care program of an Indian tribal government, state health benefits risk pool, or foreign government group health plan).
14. Entitlement to Medicare or Medicaid.
15. Any other situations in which the group health or dental plan is required by the applicable federal or state law to allow a change in coverage.
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