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A question about health insurance and marriage
Posted on 4/17/17 at 1:43 pm
Posted on 4/17/17 at 1:43 pm
Let's say John works for the Acme company. His health insurance covers his wife Mary. Mary goes to the doctor more than John but the insurance covers it. One problem. They are not married. They just live together. How does the insurance company know? Or do they care?
8
Posted on 4/17/17 at 1:49 pm to Zach
Were I have worked, required a marriage license for spousal coverage and birth certificates (adoption papers) for coverage for children.
Posted on 4/17/17 at 1:51 pm to Zach
I had to provide proof of marriage to my employer/insurance for my spouse to be added to my coverage 
Posted on 4/17/17 at 1:55 pm to UGATiger26
What was the proof? I have a reason for asking.
Posted on 4/17/17 at 1:57 pm to Zach
How many ways can one prove you are married?
Posted on 4/17/17 at 1:58 pm to Y.A. Tittle
There is apparently more than one.
Posted on 4/17/17 at 1:58 pm to Zach
An audit can be done at any time compelling the employee present a marriage certificate in order to maintain ES coverage.
This post was edited on 4/17/17 at 1:59 pm
Posted on 4/17/17 at 1:58 pm to Zach
Marriage certificate
ETA: I'm not certain, but I think I could've also provided some sort of documentation regarding my wife changing her last name. I think that was an option, but can't remember.
ETA: I'm not certain, but I think I could've also provided some sort of documentation regarding my wife changing her last name. I think that was an option, but can't remember.
This post was edited on 4/17/17 at 2:00 pm
Posted on 4/17/17 at 2:00 pm to Y.A. Tittle
quote:
How many ways can one prove you are married?
I guess if you don't have a copy of your marriage license, you could always bring your wife in and have her turn you down for sex in front of your benefits person.
Posted on 4/17/17 at 2:00 pm to Zach
quote:
Let's say John works for the Acme company. His health insurance covers his wife Mary. Mary goes to the doctor more than John but the insurance covers it. One problem. They are not married. They just live together. How does the insurance company know? Or do they care?
this probably varies a lot by state. Common law marriage. And insurance carrier.
plus a lot of plans have domestic partner arrangements. I think some states even require them.
Posted on 4/17/17 at 2:01 pm to Zach
quote:
Let's say John works for the Acme company. His health insurance covers his wife Mary. Mary goes to the doctor more than John but the insurance covers it. One problem. They are not married. They just live together.
She is not his wife under this scenario. Now the issue becomes does the policy include persons sharing the same household or exclude all but married souses and dependent children?
Posted on 4/17/17 at 2:02 pm to CHSBears
quote:
Were I have worked, required a marriage license for spousal coverage and birth certificates (adoption papers) for coverage for children.
What about states that allow for common-law marriages not requiring formality? Texas does not require (though it permits) a couple to submit paperwork stating they are in a common-law marriage to the county.
Otherwise, in Texas as long as 1) there is an agreement to be married, 2) the couple holds itself out to be married, and 3) cohabitation (even for only one day), a common-law marriage is recognized.
Posted on 4/17/17 at 2:03 pm to Green Chili Tiger
quote:
I guess if you don't have a copy of your marriage license, you could always bring your wife in and have her turn you down for sex in front of your benefits person.
But what if she's "Me So Horny" and "me love you long time" freaky?
Posted on 4/17/17 at 2:04 pm to roadGator
quote:
An audit can be done at any time compelling the employee present a marriage certificate in order to maintain ES coverage.
Yes. But let's say that Mary only gets blood work and an MRI once a year. Will they audit for that?
Posted on 4/17/17 at 2:05 pm to Quidam65
quote:
But what if she's "Me So Horny" and "me love you long time" freaky?
Then you were either married recently enough to still have your marriage license or you're not married.
Posted on 4/17/17 at 2:05 pm to Green Chili Tiger
quote:
Then you were either married recently enough to still have your marriage license or you're not married.
sucks to be you, my wife is almost always up for sex.
Posted on 4/17/17 at 2:06 pm to Hawkeye95
quote:
Common law marriage. And insurance carrier. plus a lot of plans have domestic partner arrangements. I think some states even require them.
But since common law is not registered at the court house how do you know that the woman getting the medical treatment is really the employees common law wife?
Posted on 4/17/17 at 2:09 pm to Zach
quote:
His health insurance covers his wife Mary
quote:
They are not married
Then Mary isn't his wife.
C'mon, Zach, maybe it's time to log out - permanently.
Posted on 4/17/17 at 2:11 pm to Quidam65
Here is another scenario. What if John and Mary get divorced. Neither remarry since they are ugly losers. But Mary realizes that insurance would cost her 100 a month. She offers John 50 a month to keep her on his insurance. The insurance company would never know.
Posted on 4/17/17 at 2:11 pm to WildTchoupitoulas
quote:
Then Mary isn't his wife.
Mary IS his wife according to the documents he gave his company. It's called LYING. Try to keep up, Wild.
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