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awwwww
sorry. I live in LA, so we're pretty liberal out here. I added my now-hubby to my ins about a 6 months before we actually got married.
Are you still in school? any chance you can be added to your parents policy? can i ask how old you are? private ins for young people is pretty cheap. we looked into getting hubby private ins before adding him to mine (b/c i was undure of the domestic partner thing) and it was about $150/month. Ive seen commercials where they advertise it being as low as $60 for a no frills policy. My monthly premium went up $150 when I added him and i have PPO.
Also, i think you have until 2013 until the fines start - assuming the bill passes. And the govt will subsidize your premiums to lower your payment. In the interim, just keep searching for employement. It will get better!!!
I'm done with school, and I've been too old for my parents' policy for quite a while. I looked into private a while ago, and maybe it was just the places I was looking, but it was pretty darn pricey for me not having a job.
As far as the fines, I'm sure I'll find employment and insurance by 2013, I just don't care for the idea of fines over insurance regardless of gov't help for unemployed/low-income people.
I think I'm more peeved by the heterosexual-marriage-or-nothing than I am the search for insurance.
VA is for lovers...if they're married. I feel ya surkim. I'm WAY too liberal for this state.
yeah...i think the fines are not going to work out. in some instances, it will probably be cheaper to pay the fine than to pay for insurance, especially for small companies.
@bvig: No, it's you-fill-out-a-marriage-license or nothing at all.
The wonderful amendment: "Only a union between one man and one woman may be a marriage valid in or recognized by this Commonwealth and its political subdivisions. This Commonwealth and its political subdivisions shall not create or recognize a legal status for relationships of unmarried individuals that intends to approximate the design, qualities, significance, or effects of marriage. Nor shall this Commonwealth or its political subdivisions create or recognize another union, partnership, or other legal status to which is assigned the rights, benefits, obligations, qualities, or effects of marriage."
I live/work in VA, and it depends on the company you work for. My firm pays for domestic partnerships (no matter the gender). How long do you need coverage for? Short term health insurance is not outrageously priced. I think the summer in between going off of my parent's and finding a job, I got 3 months for about $400. Now this wasn't comprehensive, it was more for emergencies, but it worked out just fine. Out of curiousity, why will you be fined?
@bvig, I think less than 10 states in the US actually have common law marriages still on the books.
Is there any way that you could qualify for Medicaid since you aren't employed? Or Cobra from an old company that you used to work for? They have a lot of options at ehealthinsurance.com. If you go that route, get a high deductible plan that you wouldn't use except for emergencies. That would limit your out of pocket expenses.
@lamb, I'm looking for something long termish, since I have no clue how long I'm going to be without a job. The thing is, at least from what I'm finding, VA doesn't recognize anything other than a marriage, and from what I'm understanding, insurance wants some sort of tangible proof of intent or something like that.
BF's company also has branches in other states, so it's highly possible that the policy is just written to be valid in those other states.
Maybe if it's just some sort of legal agreement between the two of us and not the state, that would work. Maybe I'm not using the "right" wording... I guess it's time to look for loopholes, because based on BF is asking me to look for, it isn't possible.
surkim, the Commonwealth of Virginia doesn't recognize common-law marriage, or any kind of domestic partnership. (It also won't allow second parent adoptions by the domestic partner of a parent--it's really stuck back in the 19th Century!) However, some employers nevertheless have a voluntary policy of allowing domestic partners of their employees to be covered, although the employee then has to pay tax on the value of the coverage. You might suggest that your BF talk to his HR department to see if his employer has anything like that.
Only 11 states still have provisions for common-law marriage. So Virginia is hardly unique in this matter.
I agree with 2dBride that you should check with the specific provisions of your fiance's employer. My company allows partner benefits for insurance for any type of domestic partnership or marriage.
FI & I are officially "domestic partners" as of 2010 so he could get on my insurance. He gets it through his compnay but they're cancelling the particular option he uses, so instead of picking a new one for 6 months then switching to mine, which happens to be better, after we're married, we got something notarized, showed we lived together and are each other beneficiaries, and now he's my domestic partner.
Another vote that you need to be talking to HR at his work - although the state doesn't recognize domestic partnerships (which sucks a lot more for same-sex couples!), the company can give benefits to whomever it wants to, more or less.
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So here I've been, waiting and such, making frivolous plans, but nothing serious. Joining in on the "whennnn will it happen?!" fun.
BF is looking to put me on his insurance, since I have none and am looking for gainful employment. He emails me to ask me to look into "domestic partnerships" in VA.
VA seems to be full of awful people who believe it is all or nothing. No in-between, no "well, we plan on it, but not yet", no "we've been together FOREVER", and certainly not for "non-traditional" couples. You are married, or you are screwed.
So. It seems that in this wonderful all-or-nothing state of mine, I can jump to the front of the line, go to the courthouse, and stay healthy... or I can wait it out, hope I don't die, and hope I find a job and insurance before it is time to get fined.
Funny how my mom has been pushing me to go get married, and here I need to start pushing her.