Its 15 months because they changed policies mid year. Our open enrollment was in August for October, 2012 - December, 2013 so they didn't have to do another round of open enrollment after just 3 months and they can get it back to the calendar year cycle starting January, 2014.
I really do understand the mechanics behind the rider system. I really do. I just wasn't sure if there was anyone out there who was able to appeal to their employers and actually win.
What irks me is that Medicaid covers it. I pay for that through taxes. However, my husband works for a government agency. So essentially, they'll cover it through Medicaid but not for their employees. (He is local government, not state).
I am not sure how you can fight a coverage issue because I would think if its not covered it not covered...Mine wasnt so I got creative with my Dr and went in as a self pay.
However regarding your insurance... open enrollement is usually once a year so I am not sure how thats 15 months until you can make a change in the policy. Unless you have a life changing situation... thats usually a divorce, marriage, birth or emplyment change.
Do yuu have insurance where you work? If so you could add him to yours if its cheaper... Just a thought.
Good luck!
aramey75 got a reaction from 2muchfun in Employer Doesn't Have Rider - Has Anyone Dealt With This