Page 1
Page 1
Started By
Message
locked post

Insurance Coverage Question regarding spouse

Posted on 10/26/14 at 9:04 pm
Posted by Tigerstudent08
Lakeview
Member since Apr 2007
5776 posts
Posted on 10/26/14 at 9:04 pm
Is this a new thing brought on by the ACA where you are not allowed to have your spouse on your insurance if his/her company offers insurance?

I am confused on why this is the case and how they would monitor this.
Posted by Lsut81
Member since Jun 2005
80090 posts
Posted on 10/26/14 at 9:26 pm to
quote:

Insurance Coverage Question regarding spouse
Is this a new thing brought on by the ACA where you are not allowed to have your spouse on your insurance if his/her company offers insurance?

I am confused on why this is the case and how they would monitor this.



If I remember right, there is something along those lines, which is why a number of companies ARE dropping spousal coverage if they can in order to save money. Don't remember the specifics though.
Posted by LSUFanHouston
NOLA
Member since Jul 2009
37007 posts
Posted on 10/26/14 at 9:36 pm to
Not an ACA thing directly, just a way for companies to control costs.
Posted by RollTheRock
Member since Feb 2014
478 posts
Posted on 10/26/14 at 9:36 pm to
quote:

Is this a new thing brought on by the ACA where you are not allowed to have your spouse on your insurance if his/her company offers insurance?


No
Posted by Maxx99
Great state of TX
Member since Oct 2013
582 posts
Posted on 10/26/14 at 9:42 pm to
Many companies starting doing this on their own in the early 2000s to cut costs. Where I worked, to get spouses covered, we had to sign a statement that our spouse was either not eligible to receive coverage through his/her employer, or was unemployed.
Posted by matthew25
Member since Jun 2012
9425 posts
Posted on 10/26/14 at 11:46 pm to
I would agree that this has been the trend for almost 15 years.
Posted by Tigerstudent08
Lakeview
Member since Apr 2007
5776 posts
Posted on 10/27/14 at 3:09 am to
Oh okay I guess it's just weird timing then for both of our companies to implement it at the same time. Thanks for clearing that up!
Posted by skeeter531
Member since Jun 2014
2406 posts
Posted on 10/27/14 at 5:47 am to
that has not happened where my husband or I work. I carry him on my insurance because it's better coverage and cheaper than the coverage he can get with his job.
Posted by Zahrim
McCamey Texas
Member since Mar 2009
7667 posts
Posted on 10/27/14 at 6:03 am to
my company required proof my wife did not have an insurance option from her employer before she was covered.
Posted by SpidermanTUba
my house
Member since May 2004
36128 posts
Posted on 10/27/14 at 6:54 am to
quote:

Is this a new thing brought on by the ACA where you are not allowed to have your spouse on your insurance if his/her company offers insurance?



Huh? That don't even make sense.
Posted by Lsut81
Member since Jun 2005
80090 posts
Posted on 10/27/14 at 7:01 am to
quote:

my company required proof my wife did not have an insurance option from her employer before she was covered.



Yeah, thats what it was.... Companies aren't required to cover spouses, but a lot are going under the "If your spouse has access to employer sponsored insurance, we aren't covering them"
Posted by jorconalx
alexandria
Member since Aug 2011
8585 posts
Posted on 10/27/14 at 7:32 am to
My company charges a $50 per month surcharge to have my wife on my insurance since her company offers it.
Posted by bamarep
Member since Nov 2013
51794 posts
Posted on 10/27/14 at 7:39 am to
My company started doing this. It's not mandated by ACA as a rule, but employers are having to do it as a cost cutting measure because it's such a grand fricking plan and "it is going to lower premiums by $2500."

Adults are more expensive to cover than children as a general rule. When my wife and I got married earlier this year, I could add her children to my plan, but not her.

Thanks a ton Barry, you lying big eared bitch.
Posted by TigerFanatic99
South Bend, Indiana
Member since Jan 2007
27472 posts
Posted on 10/28/14 at 7:29 am to
for this coming year my company is instituting a $100/month ($46 and change per pay period) fee for spouses who decline coverage from their employer. Along with the rate increase, coverage for just me+spouse (no children). went from $89/ pay period to $192/pay period. nothing in the plan changed as far as deductibles or coverages.

so much for rates going down.
Posted by gatorrocks
Lake Mary, FL
Member since Oct 2007
13969 posts
Posted on 10/28/14 at 7:33 am to
Yeah, not new.

As fricked up as Obamacare is (because it was written by insurance companies), the insurance companies have been fricking us for many years now.
first pageprev pagePage 1 of 1Next pagelast page
refresh

Back to top
logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram