Need insight: insuring adult skids on my plan when not required by law
I’ve posted about this recently. My DH wants me to add his four kids (13-19) to my state health insurance. I have two of my own. Although I did discover that it would plateau at $600 a month, my concern is that al of the out of pocket bills are going to come directly to us and we have to just hope that the two BM’s involved will fork over their portion. If they don’t, we either have to eat it or sue them. Either way, really expensive. I’m concerned about putting our financial security on the line in such a way. He was using Medicaid for all of them until we married three months ago, but since I’m working (which neither of the other two ever did) we now aren’t eligible for benefits.
The two 19 year olds are complete a-hole jerks, by the way. Maybe this shouldn’t influence my decision but it does. His 19 year old daughter refuses to have anything to do with me and won’t even see her father (who adopted and raised her) on holidays. Earlier in her life, she made up a story about her dad beating her until the police became suspicious that it wasn’t true due to lack of evidence and when they stated to investigate her and the mother, they dropped the story, blaming her diagnosed mental illness. He still buys gifts and sends her college money. That’s on him. But I’m kind of feeling like, F you, brat.
The 19 year old son lives with us in the basement and hates me because before me, there were no rules. He has driven and wrecked dad’s brand new car and not paid for repairs, damaged the tires, destroyed the inside, works at a fast food restaurant, refuses to go to school, runs around with white trash and does marijuana constantly. I required his dad to stop him from bringing the drugs ans druggies into the house and pressed him to set limits and invite the kid to leave if he doesn’t want to better his life; he can get his own apartment to get high and work at McDonald’s and finance it himself. If he wants to get an education and stop being a druggie loser, I’m happy for us to help. He won’t speak to me or my kids and just glares at me with insolence when he sees me. My parents threw an expensive Christmas weekend at a cabin and bought everyone a $300 gift. He made up an excuse and refuses to come, though the younger boys were grateful and happy. He still gets his gift of course.
I am really resentful at both these a-hole kids. Since I’m not and DH is not required by law to cover them past 18 in our state, I now want to say no. Maybe it’s Wrong of me but honestly they are going to behave this way why should I do a damn thing for them? Maybe I should just tell to help DH but I’m so bitter. I HATE being a stepmother. I hate it. I feel like these two can go to hell for all I care.