re: Health Benefits - New Policy on Spouses

This isn't relevant...but to include a spouse on our coverage, the premium for the spouse does not come out of my paycheck pre-tax for him. So we opted for him to have his own coverage which is pre-tax through his own employer.

I just had a large claim for my son who is on my insurance. After all was paid, the health insurance auditor contacted me asking about my husband's insurance coverage. If my son was also covered under his policy, then his policy should have paid because his birthday comes before mine in the calendar year. I told them my son was only covered under my policy, but they called and checked it out anyway.

You can bet the insurance companies hire people just to look for ways to get out of paying the claim. Don't risk it.