Post # 1
So this blog is about a major issue I know a lot of brides to be are thinking about…health insurance. I have not had health insurance for about a year now. With just completing my Master’s with no job in sight, and our wedding a little less than a year away, I’m worried. Worried about my choices.
The FI and I have talked about going down and getting married in a court house so I would legally be able to benefit from his health insurance from work. This would be fine, except in the back of my mine I will know that we have been married a year longer than our actual wedding day. Then I think well, what is the point of having a reception and a big ceremony? We would already be married and it would just be a show…a year later!! That doesn’t really sit well with me, I want the ceremony to mean something!
Then there is always the option of just waiting for a job to come along where I would be able to receive my own insurance or waiting until we are actually married a year from now.
I wanted to know if any other bees have dealt with this dilema and what did you do?
Post # 3
I am probably more on the practical side. If I were you, I would weigh the emotional cost of being legally married before your ceremony against the actual cost of being hospitalized without insurance.
I don’t think being legally married before your wedding will impact your actual wedding day much. Your ceremony is about declaring your love before your family and friends and I dont think getting a piece of paper that gives you legal rights early will change that for you. If you still want it to be special, you can keep it quiet and not tell anyone. Just tuck the piece of paper in a drawer and forget about it.
However, you can also look into getting private insurance. Before my work offered insurance, I applied for insurance. I was turned down by one company and had to go with a high risk plan. It cost a good chunk a month and I don’t think I used much of it, but it was totally worth the peace of mind it gave me.
My FI doesn’t have insure and I freak out about this. Often. He never gets sick but you just dont know when an accident will occur. His work is talking about offering him insurance which is why I am not forcing him to the courthouse immediately.
Post # 4
Minnesota girls must just be bound to practicality, because I would go for it and get married for the insurance as well. Granted, I have asthma, so I really, really, need insurance. I think MissTatas is spot in saying that you have to weigh the risk of not being insured.
I don’t know what’s availiable in your area, but many insurance companies are now offering private insurance plans for young people. So if you really don’t want to get married, that might be an option.
Post # 5
I personally wouldn’t risk not being insured. One minor thing like breaking your arm can rack up thousands of dollars.
Post # 6
I was in the same position. I have some health issue I need to take care of and no health insurance. In the end, I decided not to get married beforehand because I didn’t want to risk taking anything away from the actual wedding day.
On the other hand, one of my good friends “married” her boyfriend 2 years ago so that she could move to the US and they could be together. They had been dating long distance for a while and flying back and fourth every 6 weeks. They never called themselves husband and wife and never really thought of themselves as married. They got engaged this week and I don’t think that it has taken any excitement away from her. Their first wedding was at City Hall and no one was there. Their real wedding will be in France with their families and willl definitely still be special!
Good luck with your choice!
Post # 7
Thanks everyone for the input it really is a hard decision and i’m glad there are other bees in the same boat!