Missed Open Enrollment

So my wife’s company’s open enrollment ended at the end of October (the 30th). Her company switched insurances from AETNA to CIGNA. CIGNA doesn’t cover her gyno, so she was going to jump ship and get mine, since my company still carries AETNA.

My company’s open enrollment didn’t start until today (November 6th)–week after hers closed. Found out we horribly miscalculated the costs of adding hers to mine.

I did email my company asking for info on our insurance prior to my wife’s open enrollment ending and didn’t receive a response. I only emailed the one time and should’ve made it into a bigger issue than I did.

To put it bluntly, we will be forced to pay ~$900 a month instead of $260 a month. It’s not worth it for her handful of appointment costs. It will be an almost crippling dent in our livelihoods each month in order to afford something that actually doesn’t benefit us.

We are trying to find loopholes or some sort of thing to allow her to get back to her company’s insurance that she’s had all 8 years that she worked there, even though they just switched to CIGNA and caused this whole panic to jump ship.

I’ve already made an inquiry to a lawyer just in case.