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Hiya hive!
I've been wrestling with this issue for a while and I thought I'd throw it out to you all {since you're so good!}
My FH has some health conditions that are starting to cost us a great deal of $. He is a student and has no health insurance. When we first got engaged he insisited that we wait a full year to get married so as not to offend his best man who was engaged and getting married in June {le sigh}. At the time I threw a fit, touting all the benefits of getting married ASAP, but he utlimately won the battle. Now with the onset of doctor and hospital bills plus the expense of perscription drugs, marriage, and being added to my excellent health insurance, seems like an amazing option for our little family according to my FI.
Problem is, I just can't pull the trigger. We have planned a beautiful, romantic soiree in August all planned and I feel like we'd be cheating ourselves and everyone else if we got married say tomorrow at the courthouse. We wouldn't tell anyone, just HR and the state of VA, but I still have these overwhelming pangs of guilt about potentially going through with it.
Am I being crazy? Or should we just do it?
Does his school have any sort of student health insurance options that would be cheaper than paying all the bills you have now?
Every college I've gone to (an the grad school my fiance is in) have fairly cheap health insurance plans for students. it's probably not the perfect solution, and maybe isn't the level of coverage that you have, but it beats 'ruining' your wedding day by having already had the official ceremony (And it's poor etiquette to "get married" twice. You're supposed to have a renewal of the vows/reaffirmation if your ceremony is after a courthouse wedding). That option might at least be cheaper than paying the medical bills you have now, even if it's not quite as cheap as if you could add him to your health insurance as your husband.
Do it! Maybe I only say that because that's what I have to do.
We're under a time crunch with FH coming in on a fiance visa. So to get him under my health insurance as well as finalize all the paperwork which requires the marriage license so that he gets a green card, we are getting married in the courthouse (Arlington, VA!) on the first business day he gets here. My family was the one who pushed it because they know it will have been 2+ years since we had to separate.
That being said, we're still planning on having a wedding. Is your wedding in a church? Then you can have a blessing. Have you sent out the invitations? You can change the wording if you feel comfortable doing so.
My friend had to do the same thing as you though: get married early to be under her husband's insurance. She didn't tell anyone either, and we only found out at the reception of her second wedding! I was not offended because I understood her reasoning. Now that I'm under similar circumstances, I felt like I was cheating everyone out of a "real" wedding. But I realized that if people got upset for our reasons for getting married early, then tough for them. They don't have to come to the wedding. It is the best situation for us.
Slightly off topic, if your FH has health issues, will your insurance cover him? If it's no, then this may not be an issue (whereas finding insurance that will accept both of you will be!).
HTH!
I would do a legal ceremony now if it will expedite getting your FI on your health insurance. I don't know if you have already made sure that he will be accepted onto your insurance but if so then I would definitely do it so as not to add to your bills as you start out your life together as a married couple. You could certainly do it in secret, & then go on ahead with your wedding ceremony & reception as already planned.
Personally, I would love a little court house ceremony to make it legal and then a big party later, but you should do what is best for you guys. If you haven't already, you also might check out Mrs. Pineapple's posts as they did something similar.
I was in the exact same position last summer. My FI and I had been engaged for 1.5 years at that point, and he wanted to get married early so he could be on my health insurance (he is also in school). Ultimately, I said no because I knew getting married at the courthouse would make our wedding day feel less special, at least for me.
It's a personal decision, but don't let yourself be talked into it if it's something you really don't want to do.
I've actually been thinking of this too for different, much less important reasons.
I had a friend in a similar situation who married her husband early to put him on her health insurance. He had a lump on his neck, needed a biopsy...I'll spare you the details, but he's fine. The only problem with their situation is that while they had planned to have a "real" wedding with a party someday, it never materialized and now 5 years have passed.
If you are already planning a wedding and are commited to having the ceremony and party with your family and friends this summer then I see no problems with getting married legally beforehand. Just make sure that your wedding ceremony officiant is ok with your plans before you head to the courthouse.
If you do go through with you plan you may want to consider doing something to make the day special. Whether, it be choosing a significant date, having a friend marry you (if a JP or Atty can do that in VA), or having a family member as your witness. It will still be a part of your married life and your wedding story so make sure it's something that you can look back on fondly.
@Lattelove -- you really got me on the polite factor, I fancy myself Miss Manners, @blightygirl -- good luck with your situation -- that feels much more legit than mine
Two ways you can do it. You can go to the courthouse and keep it to yourselves and just have the "reinactment" for your wedding later this year or you can tell people and change the wording on your invites to accommodate your situation.
Honestly because I needed insurance and my finance has such great benefits we did a civil ceremony last April 25th and this April 25th we are doing a renewal of vowels ceremony because we told everyone what we did. I am still wearing a wedding dress and having the big soiree and they only thing that will be different is our vowels.
Remind him that as important as the big day is that his health is just important. Good Luck!
I personally have no issue with people making it legal early -- I believe their reasons are their own. And in your case I think it would be especially wise...health isn't something to take lightly and in the long run doing this early will give you both peace of mind, health wise and finances wise! I realize you might feel guilty or like you're cheating people but really, how does a piece of paper on one day change anything for you both? Yes, you are legally married in the eyes of the state, but my view is that the day where you stand in front of your family and friends to declare your love and celebrate that moment is the one that is more definitive and life changing. Of course I think a small, private civil ceremony is just as moving as a large wedding and soiree, so I'm not knocking that option either =) but in this case I don't think you need to be too hard on yourself.
You've already locked down the "real" wedding, so go ahead and do it! If you're worried about feeling like you're missing out, don't. It's what you make of it. I had that concern, but we had to do the courthouse thing for immigration reasons. We made it a fun day (I even had a bouquet), but it didn't feel like a wedding. AT ALL. It's just paperwork. And we almost never use the words "husband" and "wife" (except for legal reasons), because to us, the upcoming event is the true wedding. We have told almost no one, not even family! Partly for selfish reasons (I don't want the "but you're already married" thing), but also for so the excitement is there for our loved ones too. Our peeps are pretty laidback though, so if they were to find out it would be more of a joke than an angry thing--this may not work for everyone. Anyway, it's been nine months and it has barely affected us. I can't wait to get married! Good luck.
I say go for it! My FI and I have some good friends in an identical situation--our friend E got laid off and on top of no longer having an income, her health insurance and medical expenses were crazy expensive. So, they got married early (in January); the wedding is this coming August. She's covered now, they're happily and secretly married, and financially more comfortable from month-to-month.
When I first learned of their plans to quietly marry for insurance purposes, I remember really thinking about that option, and my only concern, if it were me, would be that I would wonder if it would make the actual wedding day (of the wedding and reception) ever-so-slightly less special or significant. I suppose the positive would be that you get to have two special days--one when you make it official at the courthouse, and a second one when you declare your commitment to each other in front of your friends and family.
I guess the question would be--will you feel differently on your wedding day in August, knowing that you're already married? And if so, does that matter?
We had the courthouse wedding(actually just us at his parents beach house) as he is in the military and I wanted to move with him. I will say its hard to keep a secret esp if its so far in advance. but the upside is there will be no nerves for the big day and you will be able to enjoy the event! good luck!
Thank you all so much for your help. Ironically -- My FH is too sick to go anywhere especially the courthouse to get married so we're going to obsess think about it all weekend. I'll let you know what happens for sure :)
Do it. We had considering it for similar reasons. My FI doesn't have dental coverage, but he REALLY needs to get some work done.
let us know how it goes!
Do it! We were thinking about doing this as well but just for simplicty reasons. You wouldn't be cheating yourself at all, think of it as a second wedding for your family and friends. You both probably already live together anyway so it wouldn't be that big of a deal to be married for a couple of months and then have the ceremony
Ok I'm going to do this in two parts, haha. Part One: Get thee to the courthouse! His health is not something you mess around with!!
Part two: Telling. I'd say this depends on circumstances and the couple. I'm against the "well, we were in Vegas and it seemed like a great idea to get married by an Elvis impersonator, so now we're secretly married and planning the big wedding!" That takes away from the 'big' wedding so to speak because you had the wedding you wanted, and now you're married.
But this isn't one of those cases, so it comes down to this: what is the courthouse ceremony to you? Whether or not it's a wedding is irrelevant, the question is do you see it as the beginning of your marriage? Which day will you look back on as your anniversary? If you see him after that day as your husband, then yes, you should tell people that it's a vow renewal. You got married that day in the courthouse. If you still see him as your fiance, and you only saw that day as necessary paperwork, I'd say keep it between yourselves.
Do it. I am with blightygirl for the same reasons we have. But you can make it special by waiting to have sex (if you aren't already) till your wedding night to make it special. In other countries this is the way it's done. You must go to the court house, and 2-3 days latter you have a reception. This is not the way it's done all over the world. I will most likely end up doing the same thing, and I view it as fun, b/c we get to get married 2x! Go to NYC and have fun at City Hall...there are plenty of ways to make it special.
A lot of progressive companies allow health benefits for "domestic partners" (i.e. folks who can't get married, namely gay couples). Check -- you might be surprised. We found that my fiance could be on my insurance as my "domestic partner," with full benefits and no marriage licence needed.
I agree with amyboston, my fiancee is covered as my common-law partner because we've lived together for more then a year. Check it out, it might be the perfect solution! :)
ditto amyboston, I'm on my fiance's health insurance but you do need to live together. certain companies have certain restrictions but it is doable of they offer it.
I have health issues too... I have an pre-existing condition and the small company I work for does not provide health insurance (which makes it IMPOSSIBLE to get individual health insurance- I was on COBRA previously). However, I was able to get on FI's health insurance back in August after we were living together for 6 months (I think all we had to do was declare ourselves domestic partners and show proof of address). You might want to check into whether or not your health insurance will provide this option for you also.
If I were you I would just do it. Is that one little "etiquette" worth putting yourself into serious debt?
Hope your FI's health improves. :::hugs:::
P.S. Common law rules are very different in every state. If I remember a lot of states do not recognize common law rules.
http://www.ncsl.org/programs/cyf/commonlaw.htm
And even more health insurance policies do not. I have always had better HI, Blue Cross Blue Shield, Independent Health and I've been told they do not recognize common law.
As someone said, his health is not something to mess around with.
I've been to a number of inter-cultural weddings where they have more than one ceremoney and which are months apart. One couple I know had a Muslim wedding in London and then a year later had one in the U.S. One didn't take away from the other. You would also be having two ceremonies/receptions. There is one you do with your head -- for legal purposes, i.e., HR and the state; and in August, there is one you do with your heart. Doing the former does not take away from the latter, even if all your guests knows the two of you are already married. In a way, it could take away the pressure of the day as you already have been man and wife. And there is something special in marrying each other twice.
If he is too sick to go to the courthouse, you could still have an officiant marry you at home (assuming you already have the marriage license). Don't sweat it too much! Just think that he will have months of good health care -- covered under your "excellent" health plan -- in time to celebrate the wedding you share with your family and friends!!
Just do it. You don't even have to tell anyone (but your officiant) about it. I know it sounds preachy, but you do not want to start off married life in debt due to medical bills that could have been avoided. Then have the great, big party in August.
Oh- one more thing, the other option I explored before getting on COBRA was applying for a Risk Pool Insurance(Texas has one, not sure if DC has one or not), but it had several requirements, one of which was exhausting my use of COBRA (you can extend previous health insurance through COBRA for up to 18 months I think). Hope this helps, I know way too much about the health insurance system :)
I don't really have anything else to add that hasn't been said before. But if he really is that sick, do it. Better to be married and have his health situation covered and have people potentially irritated than risk his health because his health insurance bites. Worry about other people later after you've done what's best for you and him and your collective health. :)
Good luck! Keep us posted. :)
I can see how many benefits there are to pulling the trigger now, but I also understand your hesitations.
I personally don't think I could keep that large of a secret. Then again, my parents were married in a private ceremony 7 months before their wedding and didn't tell anyone! They did it so that they would feel comfortable living together.
I don't see anything wrong with what you're pondering - it definitely makes sense!! How much do you already have planned? Are you almost entirely locked in with all of your vendors in August? Have you considering revising the event to be more of a reception party?
I had friends who were married at a court house and then went on later to have a full blown wedding. They married early for similar reasons: joining forces on health insurance and what not. Most people had no idea that the "big" wedding was actually their second, and those who did know were totally cool with it. They are so happy they went this route, and it really gave them peace of mind.
I'd say go for it! :)
I say do it.
With that said however, are you sure your health insurance will cover his medical costs? Where he doesn't have health insurance now they might say his health issues are a preexisting condition and not cover the expenses. It's worth looking into.
nothing stresses a new marriage more than debt. although it would be a legal marriage, you don't have to take it all that seriously if you don't want to. in fact, in many countries, such as where my parents got married, you need both a civil and religious ceremony. so earlier they went to the courthouse and had a civil ceremony. they had to pay a drunk bum off the street to be their witness because they forgot to bring one. they celebrate and regard the religious ceremony as their actual wedding. as with everything thing else, things are what you make them. have a civil ceremony earlier for your FI's and your financial heath, then have the real thing in august and celebrate that.
My thoughts are already mentioned by pp, but I wanted to highlight them:
-- Check into student insurance through his school. Most schools have it.
-- Check to see if you can add him to your insurance as a domestic partner.
-- Verify that your insurance will cover his "pre-existing condition." It sounds as if he is currently uninsured, which causes problems in getting new coverage. (Note to everyone out there - DON'T LET YOU INSURANCE LAPSE).
-- If marriage is the only way to get him covered, then do it early. With the cost of health care, no one should fault you. You can still have your beautiful wedding in August. You can keep it completely a secret, or you can elect to have your parents or close friends attend.
Honestly, DH and I nearly got married a year early just to save on taxes. We didn't just because we didn't get around to it, and I rather regret it. This is a much better reason.
Our wedding is in May and we got married at the courthouse in December. The decision was purely financial: insurance costs, tax refunds, etc. Basically by getting married early we have a few thousand dollars we were able to add to our wedding budget. Purely practical. We did get dressed up really nicely and bought rings, and I made a bouquet, and we had a great lunch at a fun restaurant. We took lots of photos. It was private, and personal and special. But it is also secret for us. And secrets are not always easy to keep.
I bought the white dress and pale pink shoes and told my mother they were for the send-off brunch when she saw them again. And a few weeks ago she saw the shoes again and wondered why, how, could shoes I was saving get quite so dirty? Oops.
I felt terrible getting ready to go to the courthouse. It just didn't feel right, with everyone missing it. Of course, the dreadfully generic courthouse vows (at least in our state) made it feel a lot less special anyway.
Frustrations in planning are a lot worse: at any point when I really want to throw in the towel, I get to add: we're already married, so what does it matter?
And we still haven't decided what we'll do about the marriage certificate. Forgery? We're having a friend officiate and I mentioned that we might go get married at the courthouse in advance for simplicity and my mom looked like she would cry. So they can't ever find out.
Not sure if any of that is helpful, but in terms of secret advance marriages, that's my take!
We did it court house style because we too were trying to deal with our insurance and some of those nagging things that can come up rather quickly as a couple. We enjoyed it and for the most part have kept it a secret but we are really looking forward to our big bash in October. He didn't feel guilty at all, I felt it a little bit, but enjoyed the day and the time we spend. So for us it was well worth it.
I have a friend who got married at the courthouse exactly one year before her public wedding for insurance purposes. I was a bridesmaid and I didn't even know! Only their parents knew, and they all okayed it because they wanted their kids to be healthy. A friend who is a minister officiated, and I asked her if she had to get some sort of waiver from the state the wedding was in to officiate, as her church is in a different state. She asked me if I had really paid attention to what she said in the blessing/benediction and vows, and I realized after she repeated them all to me that she was "affirming their love" and "celebrating their union," which sounded totally normal at the time but now I realize was all done to not actually marry them! If I was standing front and center and didn't even notice, some finely crafted words should be able to keep the secret. Also, I later asked my friend how she felt about the second wedding and she said it was more like a first wedding. The courthouse was just some paper signing to them for insurance purposes. They didn't call each other husband and wife or hold themselves out as married (other than to HR) until the big ceremony. Hope that helps. It made me feel better about our plans to marry so that I can get on his insurance after graduation (love the economy- no job in sight!) because enrollment for his plan ends months before our wedding.
I'm going to hazard a guess that there may be more to this than just the health issues. You mentioned that HE was insistent on waiting a full year, and you didn't get your way. Now, because it's about his health, he's suddenly changing his mind, and that's annoying. Realistic and understandable, but annoying.
And as a girl who's really struggling to deal with the whole you vs. me vs. us thing, I understand what I think you're feeling.
Is it possible that you're maybe, just a little tiny bit, holding your ground because he held his before? If that's even a little bit true, then I think you should acknowledge it (again, understandable), come clean to him about it ("I'm going to admit that part of me is hesitant to compromise on the sentimentality and emotion I'm looking forward to when you wouldn't compromise because of someone else's feelings"), and then look at today's situation with a fresh eye. Many DW couples get married in the states in order to avoid a bunch of paperwork, and they don't seem to bat an eye. In the end, the paperwork is just that - paperwork. If having the paperwork done ahead of time puts you in a better position, financially, as a couple, then I think you should strongly consider it.
It's a bummer that you're both having to go through this, and I'm sorry. However, you're very close to forming a new family, and that new family takes precedence over either of you individually, financially or otherwise.
So, spend some time figuring out why exactly you're unhappy with the prospect of doing the paperwork early, and then I'll bet you'll get some clarity as to what to do next. Whatever you do, make sure you can do it without any resentment later, ok?
First of all, thanks for this post. My fiance and I are debating about making it "legal" early, too, but for different reasons - kinda. He's in the Air Force and I'll be leaving my job before we're married in February, so I'd need (his) insurance. Plus there's the added fact that he's deploying before we get married, too, so that is another obstacle we're trying to factor in. Both my parents and his parents know what we're thinking of doing, but we wouldn't let anyone else know, which I think would be the hardest part.
I say do it! If there's a chance that having better insurance would lead to better health for your future husband, you almost owe it to him. Even if it will just save you some money now, it will help the two of you get off to a better financial start as a couple. I don't see the downside, but that's just me.
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