sorry I'm making a special snowflake thread, just need some advice/information/thoughts.
We moved to New Jersey from Pennsylvania and so we had to cancel LO's insurance since it didn't cross state lines. Now we need her birth certificate to get her new insurance but we haven't gotten it back since we sent it in to be corrected. Her coverage ended today and I have been trying to contact the place we sent her BC to but haven't been able to get through.
I don't know what to do. It's so annoying. Should I just wait and pray and hope nothing happens in the mean time or... (Hopeful lead into a suggestion to get this taken care of)
Re: Insurance question... As in baby has none
I'll ask again about deadlines. I'm trying to get everything in as soon as possible. The only thing I'm missing is her birth certificate ~X(
If the application is pending the document, you should have a period of time to get the document in. As long as that time period doesn't run out, it should back date to October 1.
If you haven't applied yet, you'll need to specifically ask if the effective date can be 10/1. Some companies will back date, some won't.
ETA: I somehow missed your response that it's state insurance. Obamacare is set up that if the state can pay for someone (your LO in this case) then they need to get the insurance from the state. You could technically buy insurance (If you bought it directly from a company, not the marketplace) for your LO, but you wouldn't be eligible for any subsidies. By doing this, federal is sharing the costs with the state.
I hope that your issue resolves. But my main advise is to make sure you don't miss any deadlines!!
BFP #1 12/23/13 MMC 01/24/14 @ 9w5days