Post # 1
so i’m in a bit of a bind 🙁 my fiance is still in college (were both 22) and wont be done for another 1 yr and a half, right now he gets his health insurance through the state but when we get married he wont qualify for it bc i make to much at my job (which really isnt that much) but heres the problem to add him to my insurance it would cost 550 a month just for him!!!! thats not even counting the prescription and docotor copays…. he hasa type 1 diabetes and cannot be without insurance however, with all is meds and doc visits it will add up to about a 1000 a month wiht my insurance!!! thats one pay check for me! we cant afford it. i’ve looked into private insurances and they wont cover him bc hes to much of a liability(i think thats discrimnation but here in the us i guess tht healthcare disrimnation is legal)…. gtting a fulltime job right now is nt a possibility bc he is stil in school and we both want him to finish…. we want to get married, we have our date coming up in 7 months….. we dont want this to dictate our choice of when we get married, its not fiar to us. so i dunno what to do? any ideas? we were thinking of having te cermony and reception and emotionally being married just waiting until he is ot of school to sign the legal paperwork. we would be married in our eyes and to all our loved ones but i just wish we can legally do it too,…
Post # 3
That seems like a rediculous increase just to add him to your plan, I have never heard of a plan going up that much. A few months ago I became a domestic partner to go on my FI’s plan and that is how much his went up by (but that’s a really complicated issue).
Does your state allow him to go on his parents plan while he is in school? Our state just extended the age students can stay on their parents plan.
Post # 4
Ugh, that totally stinks. If you haven’t already, I would meet with the benefits person at your work to investigate any other insurance options for you and your fiance. $550 a month is highway robbery. If it’s really the only option I wouldn’t blame you for waiting to make it legal to save yourself the financial burden.
Post # 5
He should be able to get insurance through his school.
Post # 6
ya everyone i talked to couldnt believve it would go up taht much. its a ridiclous amount!! but we just had our yearly healthcare meeting and those are the rates unfortuently. no he cant go on his parents healthcare bc once your married you cant be on your parents health insurance, here in pa. errrr its so frustrating.
Post # 7
we tried through his school but they only offer basic plans, being that he has diabetes he needs something that will cover everything, (all his prescriptions/doctors) which the university doesnt offer.
Post # 8
have the wedding anyway! the legalities of being married are all politics, but you dont need the law to have a fantastic party to celebrate the emotional climb in the relationship! you can always sign the marriage license as soon as you are out of school.
Post # 9
I’m in much the same situation as you! Fiance and I will not be able to legally marry until we’re 30. He can stay on his parents’ health insurance until he’s 29 as long as he’s a full-time student (we both plan to go into Ph.D. programs). He can’t afford to go onto the school’s coverage because none have a high enough per-sickness payout cap in case his cancer (he beat it three years ago) recurs. So we’re going to have a wedding ceremony, just not a legally binding one, and will live as husband and wife until we can legally be such in 2018. Perhaps this an option for you as well. It is SUPER-unfair (BOO HISS state of health care in this country!), but we’re making do and having a beautiful wedding anyway. Just don’t get legally married and leave yourself without health insurance! That’s a disaster. Who needs the piece of paper, just have a party, change your name, and sign the paperwork when you can actually afford it.
Post # 10
- Wedding: March 2010 - Calamigos Ranch
I’d go through the wedding and take care of the formalities later. How lousy that his university’s insurance won’t cover him adequately.
Post # 11
So upsetting what out healthcare system has come too.
Just as a tip to save a little money, tell him he should get his diabetic prescriptions through “express scripts”…it really is like a fraction of the price:-) (I know b/c I have Type 1 diabetes myself)
Post # 12
I’m so sorry for your problems! I wasn’t able to add my husband to my insurance either because they had a small company plan and we would have had to pay the entire amount. I would definetly check to see if he can get insurance through the school as a student or possibly consider purchasing some on his own.
Post # 13
It’s not that absurd of an amount.. I’m a super-healthy non-smoker who has never been admtted to a hospital since the day I was born, and I pay over $300 a month for a plan (I’m self-employed). Heck, $550 a month for someone with a pre-existing condition sounds like a steal (how sad that we’ve gotten to that point in this country). My healthy self-employed friends who are married with a kid pay $1500 a month for health insurance. Ridiculous.
Are you sure he will have to go off the state plan if you marry? What if you guys choose to file your taxes separately, will that help at all?
Post # 14
@adama: i wil have to tell him about that, thanks!
@stacyreeves: ya self employment insurance plans are crazy expensive! i hate our insurance policies hear in the states.