health insurance question for married couples

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Posted by MrsQ-in2007

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Posted by Espo22

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Posted by pameladhd

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Posted by Espo22

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Posted by kristi313

i believe it depends on the plan. i know at fh's job the second we say i do i'm covered. but i will be keeping my insurance for the entire month of july just in case.

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Oooo good to know some do it that way, i am hoping for this lol. FH is going to have to find his way to the office soon to find out or ask the other guys at work. Well i thought i had it all worked out, my last day is in may so i just said ok great ill still be covered through may and by the end of may or beginning of june ill be under fh's plan. Well my job decided to pay me last day in april which is today even for the days i am working in may.

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Can they do that? I think if you are working in May and being paid for that work then you should still have your insurance, no? I mean essentially you will still be employed there in May. Hmmm. I would check into that if I were you.

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i know i am trying to figure this out right now

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oh and yes, if you are working in may, you should be covered at least until your last day there and possibly to the end of the month depending on the plan etc.

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I AM hoping but seems like it may be worked out differently bc according to my paycheck it will look like my last day is in april. I asked and she said will come to me later with the forms and stuff so ill find out for sure.

Thank you

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Posted by davenjess

Dave is covered under my insurance....

He (prior to our marriage) was covered under the 'domestic partner' clause. Once we got married, he was changed to husband. The insurance company didn't ask for anything. They just changed his status.

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oh ok i guess since all the paperwork was done previously so thats why.

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Posted by TJ22908

Whatever date is on your marriage liscense (date your getting married) will be the date they will make it active but you have to wait till you get it in the mail to send them a copy. For example I wasn't active on DH's until like 4/1 but it was back dated to 2/29 so anything in between that time you can put a claim in for for them to reimburse you. Thats how i think most of them work

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oh ok see that makes sense. I was wondering why most are effective wedding date but had to still wait until certificate but now i see

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Posted by kimnsteve

i know my FH;s i can go on it now, as long as we have been living together six months or longer and we can prove it with a bill

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we cant do that, we don't live together

We each kept our coverage and added the spouses, so we do have duplicate coverage. It is considered primary and secondary coverage.

It all depends upon a company's HR policy, when the effective date is and what you have to show them. I didn't have to prove anything here, just had to have DH sign the forms.
DH was on my insurance as of Dec 01, and I was on his effective Jan 01.

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Posted by sweetdoublenn

I thought it wouldn't go into effect until the day of the wedding. But if I can do it when I get my marriage license that would be awesome!!!!!!!!!!!

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they mean when you get your marriage certificate not license. The certificate you receive AFTER your wedding

they usually deduct (if they do) 2 weeks in advance, so you must be covered for 2 weeks after your last date!!

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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Posted by JB1122

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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we dont live together though, wont they ask us for copies of bills or something like that?

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Posted by Espo22

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Posted by JB1122

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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we dont live together though, wont they ask us for copies of bills or something like that?

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They didn't ask us for that. All we had to do was sign something.

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Posted by JB1122

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Posted by Espo22

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Posted by JB1122

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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we dont live together though, wont they ask us for copies of bills or something like that?

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They didn't ask us for that. All we had to do was sign something.

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oh wow that would be great if we can do that, thank you

I work for the City of NY and its a bit diffrent- I have to wait 60 days after we're married in order to get DH on my insurance whereas he can automatically get me coverage on his since the day we were married and have proof of it via marriage license.

But it would be retroactive since the wedding date.

I think most insurance companies/ employers would want to see the marriage license as proof.

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Posted by JB1122

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Posted by Espo22

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Posted by JB1122

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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we dont live together though, wont they ask us for copies of bills or something like that?

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They didn't ask us for that. All we had to do was sign something.

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I think in a case like this where it's a domestic partnership they might just need a document signed by FH and you and also notarized maybe if that.

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Posted by DGoldfarb0776

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Posted by JB1122

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Posted by Espo22

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Posted by JB1122

You should check and see if FH's insurance covers domestic partnerships. My FH's does so I am on his insurance already and have been for at least 6 months. You don't need any legal documentation to have a domestic partnership for insurance purposes - and in fact only NYC has legal domestic partnerships, the rest of NY state does not. It's just a term FH's insurance company (Oxford) uses. They define it as people in a committed relationship who are living together. All we had to do was fill out a form attesting to those things and turn it in to FH's HR.

I know not all insurance companies do this, but it is certainly worth asking since you already are without insurance.

Then after you got married, you could just convert it into a marriage.

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we dont live together though, wont they ask us for copies of bills or something like that?

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They didn't ask us for that. All we had to do was sign something.

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I think in a case like this where it's a domestic partnership they might just need a document signed by FH and you and also notarized maybe if that.

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Yup. And ours didn't even require notarization. We really do live together, though.