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Started By
Message
Insurance: spouse can't get coverage
Posted on 9/15/17 at 8:56 am
Posted on 9/15/17 at 8:56 am
Wasn't sure how to title my post, sorry fellas. My SO works for Louisiana CAT. We're getting married next November and I mentioned how I couldn't wait to hop on her plans. She says I can't get on hers because they don't offer coverage for spouses unless they are NOT offered insurance plans for the company they work for.
I've never heard of such a thing. I thought maybe she was wrong, but she insists. So we could have children and they can all get on her plan, but I'll never be able to unless I get a job that doesn't offer benefits. Seems ridiculous.
Anyone have experience with this?
I've never heard of such a thing. I thought maybe she was wrong, but she insists. So we could have children and they can all get on her plan, but I'll never be able to unless I get a job that doesn't offer benefits. Seems ridiculous.
Anyone have experience with this?
Posted on 9/15/17 at 9:07 am to dualed
Yep. My wife is a nurse at large SC hospital. They won't insure a spouse if the spouse is eligible through their employer.
Posted on 9/15/17 at 9:08 am to dualed
fairly common these days but from what I have seen the check is nothing more than what she says on a form. They don't verify.
Posted on 9/15/17 at 9:08 am to LSURep864
Yup this isn't unusual anymore. It's actually pretty common since ObamaCare.
Posted on 9/15/17 at 9:26 am to dualed
My company is starting this next year.
Posted on 9/15/17 at 9:30 am to castorinho
my wife used to work for them. i remember shitty benefits all around...
Posted on 9/15/17 at 9:38 am to dualed
I haven't seen that, but I have seen instances where you have to pay more if your spouse if they are on your plan and are eligible for insurance at their own job.
ETA: not that I would suggest lying, but I have no clue how they would attempt to verify that.
ETA: not that I would suggest lying, but I have no clue how they would attempt to verify that.
This post was edited on 9/15/17 at 9:38 am
Posted on 9/15/17 at 9:41 am to dualed
quote:
She says I can't get on hers because they don't offer coverage for spouses unless they are NOT offered insurance plans for the company they work for.
It's still somewhat rare to see, but this is becoming more and more of a thing. She is probably telling you the truth.
Some companies won't allow spousal coverage at all if you are offered coverage at your work. Other companies will allow it, but will add a surcharge.
And it's not just private companies doing this. The St Tammany School Board does the surcharge thing.
Posted on 9/15/17 at 9:42 am to notsince98
quote:
They don't verify.
I'd hate to follow this tidbit of advice if you actually had a catastrophic medical issue. I'd bet they would verify if the insurance company was presented with a 5-6 figure bill.
Posted on 9/15/17 at 9:49 am to dualed
Hmm, I've never heard of this but the responses here seem pretty uniform that it's a thing now. I guess it's a new thing under Obamacare.
frick that guy.
frick that guy.
Posted on 9/15/17 at 9:57 am to TDsngumbo
My company has a large surcharge if they are offered insurance through their employer. This usually makes it not worth the switch.
Posted on 9/15/17 at 10:10 am to TDsngumbo
quote:
Hmm, I've never heard of this but the responses here seem pretty uniform that it's a thing now. I guess it's a new thing under Obamacare.
All of the expense, headaches, etc, involved in dealing with health insurance these days makes large companies not even want to offer it as a benefit. They only reasons they still do is:
1) They are required to offer it to employees
2) Employees expect coverage availability for spouses and kids
3) It's a way to provide value to employees without paying payroll tax on it.
Companies aren't required to provide coverage to spouses and kids, and very, very, very few companies subsidize that coverage. So that takes away points 1 and 3 when it comes to offering coverage for spouses and kids. And I think point 2 is only going to hold on so long. Eventually, a few companies will decide to drop coverage alltogether except for employees, and when that happens, look out.
Posted on 9/15/17 at 10:40 am to UpstairsComputer
quote:
I'd hate to follow this tidbit of advice if you actually had a catastrophic medical issue. I'd bet they would verify if the insurance company was presented with a 5-6 figure bill.
You should probably learn to read. No advice was given with that comment.
Posted on 9/15/17 at 3:05 pm to notsince98
quote:
You should probably learn to read.
Been working with some third graders on witty comebacks all day?
Posted on 9/15/17 at 3:09 pm to dualed
quote:I've only been in the working world for about 7 years now but this is the ONLY way I've ever heard of companies doing it (in my limited experience with companies). My spouse cannot get on mine because her company offers medical coverage
She says I can't get on hers because they don't offer coverage for spouses unless they are NOT offered insurance plans for the company they work for.
Posted on 9/15/17 at 3:30 pm to TDsngumbo
quote:
I guess it's a new thing under Obamacare.
Don't guess, Google.
Obama did not start this. Employers started the trend before Obamacare came along. Obamacare does mandate the employer provide coverage to the employee's kids, but spousal coverage is not mandated, and it never was.
quote:
the trend is older than Obamacare, says JoAnn Volk, a senior research fellow and project director at Georgetown University’s Center on Health Insurance Reforms in Washington, D.C.
“Before the ACA, there were a lot of employers that would not extend coverage to spouses if they had an offer of coverage through their own employer,” she says. The health care law doesn’t require employers to cover husbands and wives in their health insurance plans, she adds, just dependent children.
quote:
Some experts predict that companies will eventually eliminate spousal health coverage altogether, even for husbands and wives who don’t have their own employer health insurance to turn to.
LINK
Posted on 9/15/17 at 4:17 pm to Twenty 49
quote:
Obama did not start this.
I still blame that SOB and the Dems for screwing the American people and their health insurance!
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