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GioiaMia
Let's Go Rangers!
Member since 1/07 14818 total posts
Name:
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personell/health insurance question
Have you ever heard of bringing a spouse onto your insurance BEFORE the wedding?
I was looking at the form and it says that it can be changed 31 days before to 60 days AFTER the qualifying event.
I went to personell and they have never done it before and they are looking into it but I was wondering if anyone has ever done it?
My FH is a GENIUS and he canceled his health insurance and now I am FREAKING out . . . I am getting married January 12th and that is soon but STILL! And now if they don't let me do it BEFORE i am going to have to go back to work the day after my honeymoon to put him on and REVEAL that i am back and SHOULD be working!! 
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Posted 12/13/07 7:46 PM  |
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Long Island's Largest Bridal Resource |
J9-13
We're gonna be big sisters!
Member since 6/06 14887 total posts
Name:
J9
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Re: personell/health insurance question
I've never heard of that. Especially since you need the marriage certificate to prove that you are in fact Married. Maybe putting him on as a domestic partner and then changing it to spouse after the wedding??? Hmmm...I am curious to know what that is about though
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| Posted 12/13/07 7:52 PM |
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JenMarie
One day at a time
Member since 11/07 7397 total posts
Name:
Jennifer
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Re: personell/health insurance question
They can probably put him on retroactively up to 31 days before the wedding. But I doubt they'll add him without proof of the qualifying event (i.e. marriage certificate). My DHs insurance company told us to keep receipts if I needed to go to the doc or get prescriptions before I was actually on and they would reimburse us as long as it was after the effective date.
Congrats by the way!
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| Posted 12/13/07 7:52 PM |
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Reese32
LIF Adult
Member since 7/07 3631 total posts
Name:
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Re: personell/health insurance question
If you live together, you can do it as domestic partners. There are forms you have to fill out and I think maybe sign an affidavit stating you're at the same address. I forget all the details, but I started using DH's insurance before we got married.
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| Posted 12/13/07 8:20 PM |
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dancerandchef
LIF Adolescent
Member since 9/07 575 total posts
Name:
Charlotte & Michael
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Re: personell/health insurance question
I have heard about something like that but you have to be living together for like five years or so.
~dancer and chef~
charlotte and michael
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| Posted 12/13/07 8:40 PM |
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GioiaMia
Let's Go Rangers!
Member since 1/07 14818 total posts
Name:
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Re: personell/health insurance question
Posted by Jennifer907
They can probably put him on retroactively up to 31 days before the wedding. But I doubt they'll add him without proof of the qualifying event (i.e. marriage certificate). My DHs insurance company told us to keep receipts if I needed to go to the doc or get prescriptions before I was actually on and they would reimburse us as long as it was after the effective date.
Congrats by the way!
That is a great idea - I will definitely hold on to anything like that ( hopefully there won't be anything though! )
Thanks everyone for your responses, we don't live together so we can't be considered domestic partners.
I figured you would need the marriage certificate too. . .
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| Posted 12/13/07 10:40 PM |
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MrsMessina
Thankful for our miracles!
Member since 2/07 7254 total posts
Name:
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Re: personell/health insurance question
does your insurance cover a domestic partner? I added my DH 6 years before he was my DH- the requirement was that i show a lease proving that he lived w/ me for at least 1 year prior to adding him, which isn't hard to do.
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| Posted 12/13/07 10:48 PM |
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JodiBabe
Married for 9 yrs!!!!!!
Member since 5/05 6672 total posts
Name:
Jodi
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Re: personell/health insurance question
My DH's job told us to send the paperwork in as soon as we got the marriage license. Turned out they added me to his insurance as of the date we got out license (almost 30 days before we got married). We didnt find this out until we came home from our HM & I got my ins card in the mail & I called to find out the effective date.
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| Posted 12/13/07 10:51 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: personell/health insurance question
my company added him on our wedding day
I didn't have to wait till I got back- I filled out all the paper work before and it was all set
we had the cards when we came back from our HM
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| Posted 12/13/07 10:58 PM |
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Re: personell/health insurance question
I am fairly certain that DH's company covered me as of the first of the month in which we were married.
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| Posted 12/14/07 12:37 AM |
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Goobster
:)
Member since 5/07 27557 total posts
Name:
:)
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Re: personell/health insurance question
My brother was able to do this as soon as they had the marriage cert (which was a month or more before the wedding).
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| Posted 12/14/07 12:51 AM |
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Goobster
:)
Member since 5/07 27557 total posts
Name:
:)
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Re: personell/health insurance question
Posted by Tilde
y FH is a GENIUS and he canceled his health insurance and now I am FREAKING out . . . I am getting married January 12th and that is soon but STILL! And now if they don't let me do it BEFORE i am going to have to go back to work the day after my honeymoon to put him on and REVEAL that i am back and SHOULD be working!!
Not good! That means he has a lapse in coverage if he is not covered this month. So god forbid he should come up with an illness, it would fall under a preexisting condition clause. Had he stayed covered and switched over, you cannot be hit with a preexisting illness clause.
As of when is it no longer effective? If you already got your marriage cert, he should be able to be added on.
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| Posted 12/14/07 12:53 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: personell/health insurance question
Posted by Goobster
Posted by Tilde
y FH is a GENIUS and he canceled his health insurance and now I am FREAKING out . . . I am getting married January 12th and that is soon but STILL! And now if they don't let me do it BEFORE i am going to have to go back to work the day after my honeymoon to put him on and REVEAL that i am back and SHOULD be working!!
Not good! That means he has a lapse in coverage if he is not covered this month. So god forbid he should come up with an illness, it would fall under a preexisting condition clause. Had he stayed covered and switched over, you cannot be hit with a preexisting illness clause.
As of when is it no longer effective? If you already got your marriage cert, he should be able to be added on.
I believe if the lapse is under 60 days he will not be exposed to pre-existing. He can reinstate his coverage. Tell him to call his health insurance provider. Start there. Let us know what happens.
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| Posted 12/14/07 9:48 AM |
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NinaLemon
It's a boy!!!
Member since 10/07 6453 total posts
Name:
Jeannine
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Re: personell/health insurance question
It depends on the policy, some companies buy a rider allowing for insuring a domestic partner.
I was on DHs policy as a Domestic Partner before we got married, the only catch was we had to pay tax on the portion his company contributed to my insurance because the Gov't does not recognize domestic partnership.
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| Posted 12/14/07 9:50 AM |
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Wendy
Wheeee!
Member since 5/05 13736 total posts
Name:
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Re: personell/health insurance question
I never had to provide a copy of my marriage license when I added my husband to my insurance.
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| Posted 12/14/07 9:54 AM |
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