My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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Her husband should advise his HR rep that his wife is losing benefits due to a reduction in hours at her employer. That should be considered a "qualifying event" and allow her to be added without waiting for open enrollment. Otherwise, she should inquire with her current employer to confirm whether she will be COBRA eligible. But I'd go with the husband's coverage first...COBRA premiums are expensive! (You pay 100% of the total premium + an administrative fee.)
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