Saturday, July 9, 2011
The Screw That Turned
Thank you commenters for giving me some directions to turn to in my insurance mess. I did look up some information on the The Omnibus Budget Reconciliation Act of 1993 (OBRA’93), and found out why I have been so screwed...
"Health insurance plans that are not employer-sponsored plans (i.e. individual plans) are not subject to Federal regulation. Those plans are regulated by state law. Fortunately, many states have their own laws that prohibit discrimination against adopted children in connection with health insurance. If you are covered by an individual plan, you should check the laws of your own state to determine your rights.
Mark T. McDermott, J.D., is a Washington, DC attorney. He is a past president of the American Academy of Adoption Attorneys and currently serves as the Academy’s Legislative Chairman. He is also an adoptive parent."
I have an individual plan. So, on top of finding a good attorney on Monday, I have a referral for an insurance agent. I will see about switching my insurance from an individual plan to a business plan, but I will qualify only if I am considered an employee, too, because it looks like there is a 2 employee or more limit and I only have one employee. I am also looking into Shriners. There is a hospital about 100 miles away, but I don't think they deal with Jie Jie's main issue. I'll find out.
This whole situation is now invading my dreams. I can't seem to escape it even in sleep.