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Will we have Health Insurance next month?

January 7th, 2008 at 06:05 pm

That is the question I am trying not to stress about at the moment. Here is the story (in case anyone is actually reading this)...I graduated (May07), passed my board exams(Aug07) and my license to practice dental hygiene finally arrived (Oct07). I interviewed for about 5-6 dental offices before I found what I felt was the right place for me and started right after I received my license. I actually took a lower wage due to other benefits offered here. There were a few reasons I chose the office I currently work in but one of the biggest was that I was offered medical insurance for myself and my family with 50% paid by the doctor, and he would waive the 90 day waiting period.

So why am I worrying about medical insurance 3 months later you ask? Funny story (okay, not really) but turns out that the DDS did not have the authority to waive the 90 day wait. I found that out a few weeks into the job. Okay, I understand. It was an honest mistake and I feel her intentions were good. We'll just wait for January when the 90 day wait is complete.

Fast-forward to January 2. I call the insurance company to request another card for my DD (I like to have 2 for her so both I and my DH can have one on us at all times). The insurance company tells me that they cannot pull up my information because "the start date and the termination date of your policy are the same day". I try to delve into it a little more but they will not divulge any information to me - I will have to get the DDS to call them. Easier said than done as the DDS is busy trying to treat patients as well as run a business. Anyway, I spoke to the DDS and she is supposed to call the insurance company. Tells me she did not get around to it last week so will call and let me know this week.

Upon further thought, I realize that I am the only employee using the plan. Guess what? A small business health plan must have at least 2 employees!!! I have a real bad feeling about this. Hoping for the best of course, but my DH is planning for me having to look for another job. Frown

4 Responses to “Will we have Health Insurance next month?”

  1. luxliving Says:

    I'm reading and that SUCKS!!

  2. Ima saver Says:

    That's awful!

  3. sagegirl Says:

    I am the only employee in my office but my boss has his wife listed as an employee also so that they can get the group rate (I don't use the insurance here-we use hubby's because it is less expensive)So maybe the DDS has the same situation--maybe she has herself and her spouse listed as employees to get the group rate. I'm keeping a good thought for you.

    (also, we didn't show up on the insurance co computer when hubby's company switched plans. They changed the group over and we got skipped along with 2 other newer employees in his dept. Human resources just had insurance co back-date effective date)

  4. scfr Says:

    I hope it works out; keep us updated.

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