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Health Insurance Quesiton
Posted on 8/22/16 at 1:35 pm
Posted on 8/22/16 at 1:35 pm
My wife is currently covered under my insurance at my job. Her job also offers insurance.
I was going to make a change to our insurance at my job, but they said that if my wife's job offered insurance that she had to be covered by them, and I had to be covered by mine. So in essence, we would both have to be covered by ourselves by each of our separate companies. Is this correct?
I was going to make a change to our insurance at my job, but they said that if my wife's job offered insurance that she had to be covered by them, and I had to be covered by mine. So in essence, we would both have to be covered by ourselves by each of our separate companies. Is this correct?
4
Posted on 8/22/16 at 1:43 pm to STB
It's a recent trend definitely. Companies would prefer not to carry the additional life (i.e. cost risk) if there is another company available to offer/subsidize it.
You're the second person in about a month I've seen here with this same policy.
Sucks, but if its company policy, you're likely stuck.
You're the second person in about a month I've seen here with this same policy.
Sucks, but if its company policy, you're likely stuck.
Posted on 8/22/16 at 1:48 pm to STB
My company has the same policy.
Posted on 8/22/16 at 1:50 pm to lnomm34
That sucks. How is it enforced?
Posted on 8/22/16 at 1:51 pm to STB
Yep, that's what most companies are moving towards. I've seen one company make an employee pay them back for premiums they were paying for an employee's spouse that declined coverage with her company's insurance when they found out.
Posted on 8/22/16 at 1:54 pm to STB
quote:
but they said that if my wife's job offered insurance that she had to be covered by them, and I had to be covered by mine.
Just to clarify, they are saying that they won't cover your wife if she can get insurance at her job.
Your company/insurer can't tell you that her company can't allow you to be on her policy, nor that you have to accept your company's policy.
But if wife's company has a similar rule, then yeah, each to their own.
Posted on 8/22/16 at 2:26 pm to LSUFanHouston
Thanks for the responses. I figured the above answers would be the case I just wanted to make sure that I had heard and understood her correctly. This sucks because my wife's insurance offered to her is significantly worse than what I'm currently paying for both of us to be insured through my job.
Posted on 8/22/16 at 2:46 pm to The Spleen
quote:
I've seen one company make an employee pay them back for premiums they were paying for an employee's spouse that declined coverage with her company's insurance when they found out.
How do they find this information out?
Posted on 8/23/16 at 8:52 am to Epic Cajun
quote:
How do they find this information out?
The employee probably admitted to it thinking nothing was wrong.
The last two companies I have been with charge an additional "penalty" upwards of a couple hundred dollars per month or per pay period. Basically the company is covering their portion of the premium.
If you want to cover your spouse at normal rates, they make you both sign a document saying that the spouse is ineligible for coverage through another employer.
Posted on 8/23/16 at 8:56 am to Epic Cajun
They usually ask you to sign a document indicating the spouse has no coverage available. If you sign it and that's not true, you could lose your job over it.
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