Health insurance - canceling one person on policy?

Question

My husband and son both have Anthem insurance which they used to hold separately but Anthem have now combined them together with my husband as the policy holder. My husband now has health care through the VA and wants to cancel his insurance with Anthem - if he does that, will they also cancel my son's because my husband is the policy holder now? We have our own company so buy our own insurance. Anthem won't insure me because I had a slipped disc so I'm with Golden Rule and it's a bit crappy.

Answer 1

Hello.

You can request to have your husband removed from the policy and have your son alone with his own coverage.

Re Golden Rule, which of course is part of the UHC family...generally their rates are solid, but there can be some gaps in the policy. Perhaps if the disc is taken care of, you can check with Aetna or Anthem for a quote.

I hope this helps.

Answer 2

Hey Lisa - is your husband coming home disabled? (IBS)  If he is, you should look at the VA website in their health care section.  You and your son would qualify for a program called "CHAMPVA"  it is a government health care extended to the service members of disabled veterans.  It provides similar benefits as Medicare, and even if you have another insurance, this can help cover some costs, and it has a small yearly deductable - I think it is $50 dollars.

Anthem should insure just your son, but wether they do or don't - I would still at least look into that program.