Post # 1
I am graduating college and getting married. Currently I am under my parent’s health care plan. My fiance has a job that will cover me under his health care once we’re married. My question is: when do I switch over? Am I still on my parent’s insurance even after I’m married? We have a road trip across the country right after the honeymoon because I have to move and I want to make sure I am covered under someone in case anything happens.
Post # 3
For my job, I can only make changes (like adding FI) to my insurance once a year, during a time called ‘open enrollment’. So every November this time comes around and I can make changes to my insurance and add people to it if need be. We are getting married November 7th so this will work out perfectly.
I am not sure if you will still be covered on your parents or not…I think you should ask the insurance company directly, as some policies differ.
Post # 4
@nikole.powell.np: I was going to say exactly the same thing. Our open enrollment is in May…hurry up May!
Post # 5
@blondie634: Get your fiance to talk to HR – they will have the answers. Every company/plan is different.
With mine, I was lucky. My husband added me to his plan about two weeks after we got married (they let you enroll anytime) and it was retroactive (it covered back to the wedding date in case I had any medical things done/medical emergencies).
Post # 6
I know my FI’s insurance gives you 30 days after a life changing event (marriage, child, etc.) to change/add someone to his insurance. If he doesn’t do it in 30 days he has to wait until December for open enrollment.
Post # 7
Thank you! I will have my fiance check with his work and also have my mom check with her work to make sure I will be covered somewhere in the transitioning period.
Post # 8
I definitely suggest talking to HR departments and the like. I’m under my parents until I’m 26, and if my FI’s benefits weren’t as good, I wouldn’t have to change if I didn’t want to even when we do get married, but that’s something my father’s union is okay with. I know at my old job, there was a category of “life events” that could bypass waiting for the open enrollment, and that included things like marriage, divorce, gaining a dependent, etc.
Post # 9
I believe that a lot of companies allow you to add a new spouse (or child) within 30 days of getting married (or after the birth of a child). If you don’t do it within the 30 day period, then you will need to wait until the open enrollment period. It may be worth making a phone call to your FI’s insurance company to ask or have him talk to someone in HR. You could also call your current insurance company to ask if you’d continued to be covered after your marriage.
Post # 10
Our insurance gives you 30 days after a “life changing event” (marriage, birth of child, etc.) to change/add someone to the insurance. It was then retroactive starting the day of the “life changing event”. If you don’t do it in 30 days, you have to wait until open enrollment.