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Report: Player’s wife induces labor before lockout

health care

As midnight approaches on the expiration of the labor deal and, in turn, evaporation of health insurance coverage paid by the team, weird things are happening.

Adam Schefter of ESPN reports that the wife of an NFL player had labor induced last week, so that the costs relating to the birth of the baby would be covered.

But here’s the thing.  The costs are covered either way, if the player opts to pay for COBRA coverage.  So the player gained nothing, other than giving his kid an earlier day on which he/she can vote, smoke, get drafted, and drink.

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58 Responses to “Report: Player’s wife induces labor before lockout”
  1. biggerballz says: Feb 28, 2011 4:40 PM

    typical mentality of these idiots, i bet you 75% won’t sign up for COBRA to save money.

  2. hobartbaker says: Feb 28, 2011 4:42 PM

    …and retire and die.

  3. loytomaki says: Feb 28, 2011 4:43 PM

    “So the player gained nothing, other than giving his kid an earlier day on which he can vote, smoke, get drafted, and drink.”

    ————-

    Thanks Dad, you are the best!

  4. demolition510 says: Feb 28, 2011 4:43 PM

    ‘Gained nothing’??? Have you seen how much Cobra costs?

  5. bnwillard says: Feb 28, 2011 4:47 PM

    ANY NFL Player should be able to EASILY afford this out of pocket if need be. This is just a tiny bit less ridiculous than reporting an NFL player’s wife and children checked into a homeless shelter the night of the lockout.

  6. dmaziuk says: Feb 28, 2011 4:50 PM

    And also took an unnecessary risk of complications by artificially inducing early.

    “I love you son, but not as much as I love my money.”

  7. hobartbaker says: Feb 28, 2011 4:53 PM

    Depicted is the trophy all NFL players value most. The gold Full Health Coverage Shield.

  8. heyooooh says: Feb 28, 2011 4:53 PM

    Right, but the costs are covered under the lower premium, rather than the COBRA premium. You are assuming these guys are going to sign up for COBRA. They should be able to afford it, but given the article earlier about players asking teammates for $100K loans, maybe they can’t afford it.

    The real kicker is if the insurer finds out they did this, they may refuse to pay any costs directly associated with the inducement. I also wonder if the insurer might be able to claim the act was fraudulent (i.e. there was no legitimate need to induce), so could they deny all costs? Can a hospital induce without a legitimate reason?

  9. pooponurface says: Feb 28, 2011 4:56 PM

    I would hope with a newborn, he would opt for COBRA.

  10. twindaddy says: Feb 28, 2011 4:56 PM

    If this player is not going to get COBRA, then I’d say he did gain something.

  11. snnyjcbs says: Feb 28, 2011 4:56 PM

    Have you ever taken a good look at the cost of paying COBRA, they got the name right because the cost will bite you in the rear.

  12. whatever82 says: Feb 28, 2011 4:57 PM

    Umm not really…they could be forgoing COBRA coverage. COBRA isn’t cheap and in some cases you might find a better deal on our own. Might being the key word.

    Am I shocked a NFL player (who we often think of millionaires) would forgo COBRA? Yeah, but without knowing the individuals circumstances, I’m betting someone crunched the numbers and decided inducing labor was cheaper in the short run.

  13. jamie54 says: Feb 28, 2011 4:58 PM

    ……and they had YEARS to prepare for this. Agents, player’s reps, anyone, could have been pounding this into their heads since 2008 when the owner’s declared they would opt out. No one to blame except themselves. Dummies.

  14. smacklayer says: Feb 28, 2011 5:00 PM

    Ok so he just had a baby and now he is going to let his health insurance lapse? He probably caused unnecessary health issues with his newborn and he plans to no longer have health insurance?

    Umm, can we talk about the wonderlick scores again and how important they are?

  15. mizzouram says: Feb 28, 2011 5:00 PM

    COBRA is very expensive. It’s not even worth having.

  16. jlb10 says: Feb 28, 2011 5:02 PM

    COBRA is damn expensive. probably pay for the cost of having the baby with the cost of CORBA itself

  17. mick730 says: Feb 28, 2011 5:02 PM

    Well, at least we know that this couple have added yet another genius to the gene pool. Thank god for that.

  18. Uncle Leo says: Feb 28, 2011 5:03 PM

    Rex Ryan is having the same procedure performed tomorrow.

  19. reidstinks says: Feb 28, 2011 5:04 PM

    Which player really matters here. An undrafted rookie playing for the minimum probably can’t really afford the COBRA coverage. If Albert Haynesweorth or Tony Romo did this well then…..

  20. holdthemayo123 says: Feb 28, 2011 5:05 PM

    Even at the league minimum, a player should have been able to sock away enough money for a year or so of COBRA. This is just plain silly.

  21. packattack1967 says: Feb 28, 2011 5:05 PM

    A nice snapshot of whats wrong with our healthcare system. A birth costs what a birth costs, unless there are complications. Here’s another example of how people want other people to pay their bills. Entitlement mentality.

  22. dempsey63 says: Feb 28, 2011 5:06 PM

    Odds are, the player is Antonio Cromartie.

  23. xanderslugger says: Feb 28, 2011 5:09 PM

    Speaking of COBRA, how does this soubd…

    “With the 1st pick in the 2013 draft, the Los Angeles Cobras select…”

  24. donterrelli says: Feb 28, 2011 5:13 PM

    Sounds like an Antonio Cromartie move to me.

  25. kindasporty says: Feb 28, 2011 5:14 PM

    Unless you know all the circumstances you can’t really say if it was a smart or dumb move. I mean if it was Peyton Manning or Tom Brady or any other veteran millionaire then yeah they could’ve waited. But what about the guys who have only been in the league a year or two making the league minimum who aren’t guaranteed a job next year even if there is football? So yeah I would need more details before I even think about passing judgement.

  26. citizenstrange says: Feb 28, 2011 5:15 PM

    The is the NFL Players Association. Not the National Brain Surgeons and Rocket Scientists Association (NBSRS).

  27. r8rsfan says: Feb 28, 2011 5:17 PM

    I swear some of these players just fell off the turnip truck. Can’t afford cobra? $1K cobra payment for one of these guys equates to $10 for most of the rest of us. D-bags.

  28. largent80 says: Feb 28, 2011 5:28 PM

    If this baby’s father is Travis Henry, then this makes all the sense in the world. Even COBRA has a benefits maximum.

  29. dempsey63 says: Feb 28, 2011 5:40 PM

    The post-lockout health plans use the first down chains from an electric football game to determine whether the wife has dilated 10 centimeters.

  30. benh999 says: Feb 28, 2011 5:41 PM

    When my daughter was born (2009), the total cost for delivery and her care barely hit $15k (fully covered by insurance).

    Is this guy in such dire financial straits that he would put his wife and child at additional risk to save $15k? I make a lot less money than him and would have gladly paid $15k to not subject my family to such an unnecessary risk.

    What happens if there are complications his wife or child suffer due to an induced delivery that require care after March 4?

  31. PFTiswhatitis says: Feb 28, 2011 5:41 PM

    People that think a player making the minimum can’t afford Cobra need to get a clue.
    Plenty of us civilians pay our own health insurance and any NFL player can certainly afford to also.

    Geez, Americans need to stop thinking that everything should be paid for them simply for performing their job.

  32. prior0knowledge says: Feb 28, 2011 5:42 PM

    Are you sure that union members in a strike and/or lockout are eligible for COBRA?

  33. mike83ri says: Feb 28, 2011 5:42 PM

    What if… wait for it… he isn’t signing up for COBRA?

    You know it’s entirely possible that she works and they plan on switching to her employer plan when the lockout hits (which is cheaper than signing up for COBRA with the shared cost) but that his current coverage is better than both?

    Sometimes if you think a little you’ll realize that real life situations have more to them than political speaking points. I know the guy and it’s a little unfair to judge the decision out of ignorance.

  34. bleedblue18 says: Feb 28, 2011 5:43 PM

    Not all insurance plans are the same. Something tells me the NFL insurance plan is much better the Cobra. My wifes insurance kills Cobra, we had a baby last year, total cost for the delivery with no complications and 2 day stay in the hospital was $17,000 dollars. All we paid was the $200 deductable and my wifes insurance paid the rest. We have had friends who also have had children in the last year, and talking to them our insurance payed for more than there company insurance.

  35. ilpackerbacker says: Feb 28, 2011 5:57 PM

    Man, COBRA is friggin expensive as hell – but that’s for us regular Joe’s. I paid almost $300 a month for it when I was temporarily laid off a few years ago – and that was my half of it – my previous employer was paying the other half!

    Any NFL player who can’t afford COBRA simply can’t manage their millions well enough. Give me a break.

  36. tdl8 says: Feb 28, 2011 5:57 PM

    bnwillard says:
    Feb 28, 2011 4:47 PM
    ANY NFL Player should be able to EASILY afford this out of pocket if need be. This is just a tiny bit less ridiculous than reporting an NFL player’s wife and children checked into a homeless shelter the night of the lockout.
    ————————————————–
    This is a blanket statement that is completely ridiculous! Not ALL NFL players are getting paid like the Manning bros, Brady, Haynesworthless, Asomugha, Revis etc.
    What if this player is an undrafted 3rd string player in his 2nd year making the league minimum? He isn’t getting paid millions and hasn’t played long enough to save much money!
    IF the birth goes as planned and their are no complications then he could probably afford the $10-$15k it costs to give birth but complications can run 10′s of thousands of dollars or possibly into the $100k range. Nobody that is making the league minimum will be able to come out of pocket for $100k! Especially if they might not have a job in the NFL ever again! The league minimum is about $300k so thats 33% of their pretaxed salary!
    If anybody on this board is willing to take 33% of their pretaxed annual salary, not knowing if they will get paid for the next year, and use it to pay a hospital bill they are either crazy or smoking something really strong!
    This player did the right thing to protect himself, wife and child!

  37. lgbarn says: Feb 28, 2011 5:57 PM

    I would have done the same thing. Anyone that has been on Cobra would tell you the same thing. Cobra is crazy expensive to have the same benefits that you had during employment.

  38. wetpaperbag2 says: Feb 28, 2011 6:01 PM

    As stated in the title piece: “But here’s the thing. The costs are covered either way, if the player opts to pay for COBRA coverage. So the player gained nothing, other than giving his kid an earlier day on which he/she can vote, smoke, get drafted, and drink.”
    ————————————
    The real issue that you overlooked is the fact that COBRA coverage costs A LOT of money! It’s costs more (to the player) than what the employer (NFL) would have had to pay! Plus, there are the continued costs of peri-natal care (that’s the period before and just after the baby is born) and then post-natal care to ensure that the baby is growing fine. Then add in any necessary hospital stay after birth if there are any complications. Plus medications, immunizations, etc.

    Also, there is this misconception that all NFL players are millionaires. The average player earns $600,000 (before taxes) and deductions for medical coverage. Then on top of that, the average player is in the league for an average of 3 years. Add in a purchase of a home and if he has a wife and kids, that money gets eaten up rather quickly.

    Not all players are bad with their money.

  39. zn0rseman says: Feb 28, 2011 6:02 PM

    A lot of these unstaffed guys make less than I do… so let’s not jump to conclusions and assume we’re talking about a millonaire. This guy could be on the practice squad for all we know, earning less than 50K per year… and I guarantee you that the NFL Health plan COBRA premiums are more than most people reading this could afford for long.

    Mocking somebody in this situation is extremely uncool.

  40. harrisonhits2 says: Feb 28, 2011 6:07 PM

    These greedy pricks are too cheap to pay for their own health insurance. Lets see how much fun they’re having when they can’t make the payments on their Ferraris and 2 million dollar homes, or even pay the taxes and monthly insurance on them.

  41. goldrush36 says: Feb 28, 2011 6:14 PM

    PFTiswhatitis says: Feb 28, 2011 5:41 PM

    People that think a player making the minimum can’t afford Cobra need to get a clue.
    Plenty of us civilians pay our own health insurance and any NFL player can certainly afford to also.

    Geez, Americans need to stop thinking that everything should be paid for them simply for performing their job.

    ____________________________________

    So please tell me exactly when football players became non civilians? EVERYONE is a civilian aside from the military.

  42. deeppurple23 says: Feb 28, 2011 6:23 PM

    For whatever it’s worth, COBRA is freakin’ expensive, it’s probably MORE expensive then just going out and getting stand alone coverage. But our government requires that there be an option, so there is an option, no matter how bad it is. Not to mention, isn’t COBRA only available when you’ve been “terminated” or you resign? If you’re “suspended” in a contract dispute I’m not sure that coverage is still in play and not suspended as well, until the matter is resolved.

    Maybe the players Union should purchase the coverage, with a charge back to the teams/NFL, then you wouldn’t have these issues. :)

  43. stairwayto7 says: Feb 28, 2011 6:32 PM

    What state wil Cromartie be in and with which woman?

  44. getweird4u says: Feb 28, 2011 6:43 PM

    Insurance=snake oil salesman

  45. truwarier90 says: Feb 28, 2011 7:31 PM

    so cromartie wants to save money, maybe he should have used a rubber.

  46. charliework says: Feb 28, 2011 7:50 PM

    COBRA coverage is just a continuation of the active coverage a person had through their employer. So unless NFL teams have different deals with their respective medical carriers, the plan would cover at the same rate. Assuming this player is providing coverage for himself, his wife and at least one child, his monthly COBRA premium would be in the area of $1,000, equating to an annual cost of $12,000. Yeah, that’s a hefty price for John Q. Blog-Commenter, but I believe the average NFL annual salary is near $800,000.

    Also, this player could have just paid the premium for one month of COBRA, again, probably around $1,000, and just had the kid delivered on the normal due date. Kind of a silly decision when take all of this into account.

  47. cup1981 says: Feb 28, 2011 8:06 PM

    A) We don’t know why she induced. There could have been a perfectly legit medical reason. This is purely speculation, so don’t attack the player adn his wife.

    B) If they did induce because of the insurance deal, that’s ridiculous. I am a professional writer and I make about 1/1,000 of what any

  48. cup1981 says: Feb 28, 2011 8:07 PM

    A) We don’t know why she induced. There could have been a perfectly legit medical reason. This is purely speculation, so don’t attack the player and his wife.

    B) If they did induce because of the insurance deal, that’s ridiculous. I am a professional writer and I make about 1/1,000 of what any NFL player makes and I paid cash for my son’s birth.

  49. kegpack says: Feb 28, 2011 8:09 PM

    So I’m supposed to feel sorry for this idiot and his moron of a wife who put their child’s birth at risk so they could save some money? Nope.

    Poor millionaires, if only people understood their pain and suffering.

    Its crap like this that makes me ashamed of being a fan.

  50. getweird4u says: Feb 28, 2011 8:11 PM

    Could have just sold one of his 18 cars….fools

  51. tubal22 says: Feb 28, 2011 8:14 PM

    Typically, COBRA means you get to keep your insurance, but your employer doesn’t pay their part anymore.

    So basically, you’re paying the full premium.

    I’m guessing the NFL has some extraordinary coverage, with some super high premiums.

    An average premium is probably $300-$400/month, with an employer typically paying half.

    I’d guess that the NFL plan is more like a $500-$600/month premium.

    So Cobra would probably cost an NFLer $500-$600/month.

  52. vikefan says: Feb 28, 2011 8:21 PM

    Cobra is a federally mandated option. Any individual choosing to leave their job is notified by employer and their choice to pay it on their own if they choose or not. Regardless of time in nfl, individual salary, or otherwise, i guarantee these guys CAN afford it, especially IF they are smart enuff, planned ahead from 2 years ago, and notified by the union of choices in advance. This cobra has nothing to do with owners, simply put, just like any other average job, if they owners lock the players out, they are essentially “temporarily” fired, and this would be why they would have the choice of cobra, cause it is a federally mandated choice. Anyone can choose not to, but it would be very stupid, especially in their line of work!! Who is going to take care of off season minor surgery or aches & pains, i bet not a single player knows how to go about that on their own but about to find out very fast. How many want to see the famous Dr. James Andrews everyone talks about? & he will want to get paid!! Unless a player is 100% perfectly healthy, i dont know how they could pass up on cobra.

  53. kindasporty says: Feb 28, 2011 8:47 PM

    Seriously let’s all stop and think about this for a second. If you’ve made the NFL minimum at 325k for one year. After taxes and paying your agent and what not I would think having 200k left over is a fair estimate. Keep in mind it’s not like if they were in college that they’ve had a steady job the last four years. Now also we’re assuming this person is on the bottom of an NFL roster so even though that 200k is a good amount of money they don’t know if they’re even going to have a job next year. Not only that but depending on who it is they might not be qualified for much else. So with a baby on the way and you need a house and all your baby stuff, yes you should be able to pull it off but if you don’t budget your money well then you could very easily be broke very quickly. From my personal experience when my daughter was born, with complications, it ended up costing 250k altogether. Now as far as putting the baby at risk, that would be between them and their doctor. There aren’t very many circumstances where having a baby a week early puts them at any higher risk. So again it’s all in the details.

  54. juancorsair says: Feb 28, 2011 9:02 PM

    tdl8 says:
    If anybody on this board is willing to take 33% of their pretaxed annual salary, not knowing if they will get paid for the next year, and use it to pay a hospital bill they are either crazy or smoking something really strong!

    33% of $300,000 still leaves over $100,000 more than most of us on here will ever make. You’d have to be high to think an NFL player is suddenly hard done by because his medical benefits were cut off. These people live high-rolling lifestyles for a reason, dude.

  55. joe6606 says: Feb 28, 2011 9:26 PM

    I call BS.

    Even if you assume that the player and his wife are so dumb (which I hightly doubt) to think that they wouldn’t have any health insurance options (aka Cobra) when the lockout begins:

    (1) health insurance runs until the end of the month. If the lockout begins on friday March 4th, every player is covered until March 31.

    (2) Do you really think that no one who’s participating in the birth ( OB/pediatrician/nurse) wouldnt have clued them in on how COBRA works?

    Again I think sheffy posted a tweet with not-quite-facts. Bad week for ya big boy

  56. rinelson1981 says: Feb 28, 2011 10:43 PM

    My wife gave birth to our first daughter late last night. She was eight days late. When you’re waiting for a baby, trust me, every day counts.

  57. radrntn says: Feb 28, 2011 10:49 PM

    I can tell Mike that you have never paid for cobra.

  58. universalcynic says: Mar 1, 2011 11:30 AM

    Wow Mike,

    Why not just roll down the window to your Rolls and ask us if we have any Grey Poupon. How elitist is this posting.

    You deliver a kind on COBRA then you can talk.

    Now, off to your polo match to slam life choices and talk about HOF voting. Tell Whitlock I said “hello.”

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