UHC didn't deny me, IT WAS MY EMPLOYER!!!

[Wheetsin 714]

If you work for a large company, employer-enforced exlusions are pretty firm. If you work for a smaller company, and could "rally" enough others who would be interested, and petition the employer from the perspective that there are a lot of us and numbers matter, then maybe you'd be able to make some headway. But employers care about bottom lines and ROI so you'd need to be prepared to back up your request with numbers. However, since you are a contractor on part-time (annual) basis, I'm guessing you work for a mid-large employer.

Do they offer other plans you could choose from, perhaps one that doesn't have an exclusion, and then switch over during open enrollment?

[amsderb 1]

Kimmie K..I feel for you....My plan stipulated that you had to be employed for 5 years to be eligable! So, choose carefully...and look at the policy exclusions...

[🅺🅸🅼🅼🅸🅴🅺 296]

If you work for a large company, employer-enforced exlusions are pretty firm. If you work for a smaller company, and could "rally" enough others who would be interested, and petition the employer from the perspective that there are a lot of us and numbers matter, then maybe you'd be able to make some headway. But employers care about bottom lines and ROI so you'd need to be prepared to back up your request with numbers. However, since you are a contractor on part-time (annual) basis, I'm guessing you work for a mid-large employer.

Do they offer other plans you could choose from, perhaps one that doesn't have an exclusion, and then switch over during open enrollment?

I contract at Microsoft as part of a project team for Xbox, but unfortunately it's not Microsoft that's providing my insurance. If they were, we SO wouldn't be having this conversation, lmao! The company that actually pays me is pretty huge. Our contractors make up about 75% of Microsoft's employees in the U.S.. So, your point earlier makes sense. My actual plan is to prepare myself on break enough to get hired at Microsoft permanently and have the best insurance plan I've ever seen...finger's crossed....

My employer offers 2 UHC plans. Both with the same "exclusions" or whatever. Our open enrollment is April, but so is the end of my contract...so it really doent matter if I cancel or not. I'll just be saving myself..get this...$600/mo for my last month employed there! I guess it's all the principle behind it.

[amsderb 1]

I contract at Microsoft as part of a project team for Xbox, but unfortunately it's not Microsoft that's providing my insurance. If they were, we SO wouldn't be having this conversation, lmao! The company that actually pays me is pretty huge. Our contractors make up about 75% of Microsoft's employees in the U.S.. So, your point earlier makes sense. My actual plan is to prepare myself on break enough to get hired at Microsoft permanently and have the best insurance plan I've ever seen...finger's crossed....

My employer offers 2 UHC plans. Both with the same "exclusions" or whatever. Our open enrollment is April, but so is the end of my contract...so it really doent matter if I cancel or not. I'll just be saving myself..get this...$600/mo for my last month employed there! I guess it's all the principle behind it.

Ok...that is just not fair! However, I know you will find a way to work this out...and we are here for you...

[Chrisann 0]

Some states offer a health plan directly when your income is in certain ranges, maybe Texas offers that.

You mention you are a contract employer, so try Freelancers Union :: Platform for an Independent Workforce, you can get independent insurance through them.

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Sweet! Thanks, Chrisann! I'll definitely check that out too :sneaky: