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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?
12
Posted on 9/15/17 at 9:00 am to dualed
Thanks Obama
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 9:24 am to dualed
Super common now.
Posted on 9/15/17 at 9:26 am to dualed
My company is starting this next year.
Posted on 9/15/17 at 9:38 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 9:40 am to dualed
Thanks Obama
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 9:49 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 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 4:43 pm to dualed
quote:
Anyone have experience with this?
<---this guy.
I'm self-employed so I have to sign an affidavit saying I don't offer coverage to myself. Being on her plan vs having my own saves me about $250/month. While being on her plan I also have to have a health coach that calls me 5x a year to make sure I'm staying healthy.
Posted on 9/17/17 at 7:32 pm to dualed
I don't allow spouse coverage if they are offered insurance through their company. Too expensive
I also require a letter from their employer stating that they are not eligible for insurance benefits.
I also require a letter from their employer stating that they are not eligible for insurance benefits.
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