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Newly married & confused about health insurance?

KarenB Posted: Jun 18, 2004 11:36 AM+

KarenB MEMBER SINCE: 1/03 TOTAL POSTS : 681 WEDDING DATE: May 15, 2004

Posted: Jun 18, 2004 11:36 AM

Newly married & confused about health insurance?

Does anyone know what benefits dual coverage give you?

Help, I am sooo frustrated.

Karen

KarenB Posted: Jun 18, 2004 11:38 AM+

KarenB MEMBER SINCE: 1/03 TOTAL POSTS : 681 WEDDING DATE: May 15, 2004

Posted: Jun 18, 2004 11:38 AM

Re: Newly married & confused about health insurance?

If there are any drawbacks it would be great to know that too.

P.S. This is my first post to the newlywed board.

embee Posted: Jun 18, 2004 11:41 AM+

embee MEMBER SINCE: 7/03 TOTAL POSTS : 735 WEDDING DATE: May 22, 2004

Posted: Jun 18, 2004 11:41 AM

Re: Newly married & confused about health insurance?

do you each have your own coverage right now? i only ask because sometimes it is less expensive to keep single coverage than to add another person onto a single insurance acct. that is what happened in our case.

KarenB Posted: Jun 18, 2004 11:47 AM+

KarenB MEMBER SINCE: 1/03 TOTAL POSTS : 681 WEDDING DATE: May 15, 2004

Posted: Jun 18, 2004 11:47 AM

Re: Newly married & confused about health insurance?

This is the thing w/us. We both have medical & dental. My Medical is better so he is coming onto my policy. We were going to drop his medical. However his dental seems to be tied in w/his medical and his dental is much better than mine. We wanted to add me onto his dental but we don't know yet if we can w/out me being added onto his medical also.

I just want to understand how dual coverage works since we may not have a choice if I want his dental plan also.

I am soo frustrated.

embee Posted: Jun 18, 2004 11:50 AM+

embee MEMBER SINCE: 7/03 TOTAL POSTS : 735 WEDDING DATE: May 22, 2004

Posted: Jun 18, 2004 11:50 AM

Re: Newly married & confused about health insurance?

have your husband talk to his HR person, they should probably be able to help you work it out. every plan is different...it is very confusing at times. for us dental is sep. from medical so you can choose one or the other or both. it is a pain, but good luck!

SeptemberBride03 Posted: Jun 18, 2004 11:59 AM+

SeptemberBride03 MEMBER SINCE: 8/02 TOTAL POSTS : 3277 WEDDING DATE: Sep 20, 2003

Posted: Jun 18, 2004 11:59 AM

Re: Newly married & confused about health insurance?

My husband is a full time student in Grad School for his MBA. So, I have him listed as a dependent and he gets everything I get: medical, dental, vision...

ssdare Posted: Jun 18, 2004 12:43 PM+

ssdare MEMBER SINCE: 10/02 TOTAL POSTS : 797 WEDDING DATE: Jun 07, 2003

Posted: Jun 18, 2004 12:43 PM

Re: Newly married & confused about health insurance?

Posted by embee

have your husband talk to his HR person, they should probably be able to help you work it out. every plan is different...it is very confusing at times.

I agree you need to talk to the HR person at each company to help you determine what would work out best. Every plan is different.

Generally, for indemnity health plans, if you have dual coverage, usually one plan will be the primary plan were you would submit claims first and then what's not covered by your primary plan (e.g. co-pays) may be covered by the secondary plan. But, sometimes one plan may not provide benefits in addition to another plan and therefore it would not be beneficial for you to have dual coverage.