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Opting out of my Insurance
Nov 22, 2005

I work for a samll city and they pay for my medical insurance. My husband has medical insurance for life through Tricare Prime - he is navy retired. My employer's medical insurance is a self-funded group of cities using currently MEDCOST as the provider. I was told I could not opt out of my insurance. Can my employer do this? Year after year my employer's insurance has increased along with copays and deductables. My husband's insurance is far more inexpensive. No deductable, very few copays and prescription copay is many times less ($3) vs. $45 per prescription. I have been with the city 15 yrs. - do not have a contract with them nor did I sign any document that would not allow me to opt out of the city's medical coverage. Can they require this?

Response from Ms. Franzoi

Since the coverage is fully employer-paid, they can have a provision that does not allow you to opt out.



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