Post # 1
Curious if anyone added their spouse to their health insurance at work. My work has better coverage, but we haven’t officially added it yet (we’ve been married almost 4 months). The insurance agent that covers our plan was called today, and he thought we needed to add it within the first 30 days. Uh oh. Does anyone know if that is the case?
Post # 3
I just added my FI to my plan as a domestic partner so this may not be fully what you’re looking for. However, I know with the affidavit that we had to sign, we needed to add him within 30 days of getting it notorized. I’m thinking this might apply to your wedding date.
Post # 4
@oracle: It may vary from state to state but I believe there is a timeline… You’ll need to contact your HR office or provider to find out.
Post # 5
That was the rule at my company. You need to do it within 30 days of the life event (the marriage). If not, you need to wait until the next open enrollment period, which is usually in December.
Post # 6
I’m not very good at insurance questions, but I can tell you this. We got married in September and in October we got everything straightened out and I was added to his insurance. The lady explained to us that my insurance coverage actually took affect on our wedding date.
I guess it would just depend on your insurance?
Post # 7
my work’s policy is a 30 day enrollment period. if you don’t enroll your spouse within 30 days of the wedding, you have to wait until open season.
Post # 8
We also have a 30 day policy at my work.
Post # 9
My company’s policy is the same as many of the PPs. You had to add the spouse within 30 days of the “qualifying life event” (in this case, the wedding). If you didn’t meet this time frame, you had to wait until the annual open enrollment peeriod (ours is usually late October-early November I believe although that will vary company to company).
Post # 10
Same situation with us. I had to join my husband’s insurance within 30 days or wait until the next enrollment period. The only exception would have been if I had insurance through my job and then I lost my job and therefore the insurance. I believe that would be another “qualifying event” and thus I would have been able to join the new insurance plan within 30 days of that qualifying event (losing a job).
Post # 11
Thanks, everyone! I had NO IDEA there was a window. Really wish I had better info from work – at the time, I hadn’t decided which way we’d go (if I was going to go on his, him on mine, or just keep it the same). Guess we’ll have to wait until our open enrollment (september!!) ugh!
Post # 12
@oracle: That’s the truth. I would have not known about the 30 days either unless I called. Ours was 30 days from the date of marriage. Total PITA. Like I didn’t have enough to do with the name changing lol.
Post # 13
I did and I did have to do it within 30 days of our marriage. Usually you can’t make changes to your health insurance until the end of the year when you are up for renewal. But getting married, is considered a life changing event, so you are able to add to your health insurance when those events happen. Other life changing events are getting divorced and having kids.
Post # 14
We filled out the paper work and submitted it before our honeymoon. I had already cancelled mine to get on DH’s as I’m self employed and had lousy insurance that also wouldn’t cover pregnancy. We weren’t TTC but we wanted to make sure we were covered in the event of a honeymoon baby…. lol.
Post # 15
@oracle: DH added me to his and it was either you had to do it within the first 30 days after the marriage or you have to wait until open enrollment. I only know this because we missed the 30 day mark so then we had to wait another 2 months for open enrollment so that I could go on his plan.
Post # 16
We looked into it when we got engaged and right now my health insurance for a single is free, my firm covers the charge. My husband’s health insurance through his work sucks but alas if I switched my plan to family plan we would be paying a lot more than what he is paying now. So financially it makes no sense.
From what I understand beyond open enrollment time a significant life change (such as marriage or pregnancy) would allow you to add a person to your insurance plan. But there is definitely a window. I think you should ask your HR or insurance ASAP.