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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 1:58 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 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 2:09 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 3:35 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?
Some companies - usually large national corporations - are fine with including 'partners' on employee policies.
i'm sure they initially only did this to cover those who couldn't be married by law, but soon realized they have to cover all 'partners'.
Posted on 4/17/17 at 3:59 pm to Zach
quote:
his wife Mary
fraud
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