Insurance Q girls: Medical HELP

SweetCin704 Posted: Aug 23, 2005 05:33 PM

Insurance Q girls: Medical HELP

Now that my health insurance will be cutting off as of 8/31 and no job prospect in site, I'm wondering if what I'm hearing is true. A few people have told me that since we live together & our wedding isn't very far away that FH is able to put me under his insurance plan. Is there any truth to this matter? Thanks so much.

maybride2005 Posted: Aug 23, 2005 05:35 PM

Re: Insurance Q girls: Medical HELP

I can't say for sure but I don't think FI can put you on his insurance unless his company is in open enrollment (which for most companies is sometime in december) or Life changing event (marriage is considered one). Hope this helps.

SweetCin704 Posted: Aug 23, 2005 05:45 PM

Re: Insurance Q girls: Medical HELP

But he'd be able to in December?

Goldi1021 Posted: Aug 23, 2005 05:46 PM

Re: Insurance Q girls: Medical HELP

My insurance company and employer allows this. We have Oxford freedom plan. I remember a friend of mine did this for her husband BEFORE they were married.

hmm8191 Posted: Aug 23, 2005 05:46 PM

Re: Insurance Q girls: Medical HELP

Usually you have to wait until you're married. Unless his company has a domestic partner policy that includes opposite sex partners. Most do not.

Can you do COBRA? It's expensive but at least it's coverage.

MCDO15 Posted: Aug 23, 2005 05:55 PM

Re: Insurance Q girls: Medical HELP

Posted by SweetCin704

Now that my health insurance will be cutting off as of 8/31 and no job prospect in site, I'm wondering if what I'm hearing is true. A few people have told me that since we live together & our wedding isn't very far away that FH is able to put me under his insurance plan. Is there any truth to this matter? Thanks so much.

some policy allow you to list your domestic partner but part of the problem is, some companies only allow a change at enrolment time, he would have to check

the key word right now is domestic partner and check enrollment time

SweetCin704 Posted: Aug 23, 2005 06:02 PM

Re: Insurance Q girls: Medical HELP

Thank you so much.

He's with a major company & in a major union. I'll find out tonight.

Thanks for your help!

MCDO15 Posted: Aug 23, 2005 06:39 PM

Re: Insurance Q girls: Medical HELP

you may also want to try (even if you know you can't) have a legal change. Tell them you were employed but lost the job and somtimes, health care providres allow for exceptions like that...

tracie143 Posted: Aug 23, 2005 07:25 PM

Re: Insurance Q girls: Medical HELP

depends on the company. I use to work for Chase and I was able to add him to my insurance and then when I went to AMerican Express you have to be married.. so each company is different . tell hom to call HR

Blu-ize Posted: Aug 24, 2005 08:49 AM

Re: Insurance Q girls: Medical HELP

Yes you can get added. There are some details that have to be in place. You don't have to wait until open enrollment if you had a qualifying event. In your case, you are losing coverage and that is a qualifying event. Let him get the details from his employer and he can probably get you added quickly.

beautyq115 Posted: Aug 24, 2005 08:50 AM

Re: Insurance Q girls: Medical HELP

Have you looked into Healthy NY?? One of my friends did this when she was subbing

Shorty McBride Posted: Aug 24, 2005 08:56 AM

Re: Insurance Q girls: Medical HELP

Posted by beautyq115

Have you looked into Healthy NY?? One of my friends did this when she was subbing

I'm only familiar with the Vytra HealthyNY and BC/BS HealthyNY, and they have terrible coverage. I don't think I would go that way, Cin.

I think it IS possible to have your FH add you - my FH is going to add me next Feb, when my benefits expire.

JenNeen Posted: Aug 24, 2005 09:07 AM

Re: Insurance Q girls: Medical HELP

Posted by SweetCin704

Now that my health insurance will be cutting off as of 8/31 and no job prospect in site, I'm wondering if what I'm hearing is true. A few people have told me that since we live together & our wedding isn't very far away that FH is able to put me under his insurance plan. Is there any truth to this matter? Thanks so much.

Are you able to get Cobra from your current insurance to cover you until the wedding?

If not, Family Health Plus or Healthy NY is a low cost option.

Otherwise, I'm sure you would have to wait until open enrollment.

SweetCin704 Posted: Aug 24, 2005 09:37 AM

Re: Insurance Q girls: Medical HELP

I guess I'm just confused HOW he can add me if we aren't married. Wouldn't everyone do this?

I am covered by COBRA, but that is over $400. a month...pretty steep, especially if I'll only be subbing or temping.

Also, if he gets me on his coverage and then I get employed fulltime would he be able to leave me on his coverage?

Blu-ize Posted: Aug 24, 2005 09:51 AM

Re: Insurance Q girls: Medical HELP

Good questions.

A lot of plans these days have a domestic partner provision in the plan so people who are together but not married can get their SO coverage. There are rules about it, so you have to check it out to be sure.

Cobra is just outrageous. If your FH doesn't have that provision in his plan, then it looks like that may have to do.

Also when you get a job and get coverage you may stay on his plan if you want or you can get insurance from your job and then his insurance will be secondary to yours. That's a little confusing, but people do this so they can be 100% covered if their plan doesn't cover certain things.

MrsFudge Posted: Aug 24, 2005 09:52 AM

Re: Insurance Q girls: Medical HELP

Tell your FH to check with his HR department and find out if he can add you to his insurance as a Domestic Parter. Some companies allow this, some don't. If you have a qualifying status change, ie. your coverage elsewhere is ending, you should be able to enroll into the plan w/o a problem.

If not you can always elect COBRA.

susan624 Posted: Aug 24, 2005 10:29 AM

Re: Insurance Q girls: Medical HELP

My sister was able to put her fiancee on her insurance. But every company is different. You should have your FH look into it for you. Good luck

gina674 Posted: Aug 24, 2005 10:57 AM

Re: Insurance Q girls: Medical HELP

I work in the city, for the city (NYPD) and I was able to do this for my FH. But you have to prove that you live together, and show a utility bill with both your names in it. I know everywhere does it differently, but just wanted to let you know....

Good Luck!!