Post # 1
We are newly married and newly expecting and husband wants me to stay with my insurance plus add me to his at least until the baby is born. His reasoning is just in case something happens. Does anyone have experience with having two insurance policies? It seems a little confusing and a lot of work.
Post # 3
- Wedding: July 2012 - The Gables Inn, Santa Rosa, CA
It can also be a little expense, depending on the kind of policy you’ve got… I’d look at the cost of adding you to his policy, and basethat against what they’ll cover after your insurance has paid– you might find that you’ll spend more on the policy than you will save by using it.
Post # 4
I agree. Depending on how good your primamry policy is, you may end up spending more on the secondary policy than what it would actually potentially cover.
Post # 5
Agreed…you’ll likely end up spending more than saving. If you were to lose your job and lose your insurance you could then sign up for your husbands at that time.
Post # 6
And I do want to add…have you priced out what makes more sense? Is it cheaper for him to come to yours? You to go to his? Each keep your own?
For us, it worked out significantly cheaper for me to drop mine and get on his. His yearly deductibles, copays and monthly costs were overall a lot less than mine.
Post # 7
Depending on what state you are in that could be illegal and actually negate both policy’s coverage. It’s referred to as “stacking” and it can be construed as fraud since a person could concievably claim benefits under both, and then whichever company pays last, the credit would be sent to you in the form of a check from the medical facility….so, check with the laws in your state, verify which coverage is more comprehensive and affordable and then pick one because you certainly do not want to try and double up and end up with nothing.
Post # 8
Thanks for the info. Husbands insurance is way better and way more expensive but he’s in a union and can’t drop his so I will go on his regardless bc I don’t think I will be working full time after the baby.