Post # 1
I was just curious because I feel weird that my FI has awesome health insurance and he considered it a no-brainer that I would go on his plan. I feel weird that in this way I’m depending on him. I had health insurance for six months in the past decade (I have pre-existing conditions so it’s impossible for me to just get it on my own). We’ve actually thought of getting married sooner just so I can join his plan. Are there any other bees out there in a similar situation?
Post # 3
my husband is in the military, so we’re covered thru tricare. before we got married i was without insurance for almost 10 years. it sucked. we joke that the only reason i married him was to get health coverage, haha.
his contract is over next spring. not sure what we’re going to do then.
Post # 4
I have insurance but I am joining FI’s plan after the wedding.
Post # 5
I’m finishing up grad school in Canada and I’m currently covered by Canada’s universal health care with extended benefits through my school. My husband works in the US and has a very good plan through his employer so when I fully move down south to join him, I’ll go on his plan until I find my own job, though I doubt I’ll get anything better than what he has.
I have to say….navigating the health care system in the US has been traumatizing. I’ve never had to deal with this before, even though my mother has cancer and my father has needed cardiac surgery.
So yes…I will be entirely dependent on his job security for health insurance coverage and while he has a stable, well-paying job, I find the entire situation very very scary, but more because we’re dependent on an employer and an insurance company for our health needs for the first time in my life, rather than being the “dependent” on my husband’s insurance.
Post # 6
@renwoman: I’m still considered a dependant until I get married or graduate, whichever comes first, so I’m on my parents insurance still. FIs already graduated, so he just got his own and I’ll probably be hopping onto his once we’re married. I don’t have any preexisting conditions that would make it difficult to get insurance, I don’t think. I do try to get to an ENT once a year to make sure I don’t have vocal nodes. I’m prone to swelling on my vocal cords and, as a singer, it needs to be monitored to make sure it doesn’t get bad. Same thing with ultrasounds. I have a pea sized cyst on my kidney that needs to be checked in case it gets bigger.
Post # 7
After we’re married, I am going to join his plan.
Post # 8
@renwoman: It’s pretty standard to join each other’s plans when you’re married…that’s kind of the point of work insurance plans (to cover the employee and their family). Some of our stuff is covered by the government and what is not covered falls under my plan.
Post # 9
@renwoman: I voted ‘other’; I’m from the UK and we have the NHS, so I have no real need for private insurance; I’ve been pretty happy on the whole with my experiences with the NHS so it’s not worth it to me to get private insurance at the moment.
Post # 10
@renwoman: I have it right now through my dad’s plan, but once we get married, I’m switching over to my husband’s plan (wow, weird I’ll be calling him that… Lol) I am a freelancer so I really can’t get insurance on my own, at least without spending a ridiculous amount of money.
Post # 11
I don’t work enough hours to have insurance through my work, so I am on DH’s insurance. It is SOOO expensive, and I wish I could be on my work’s insurance. It’s not always a good idea to join a spouse’s insurance just because you’re married. It costs much more to be a dependent than to have your own plan in many cases.
Post # 12
We live in Canada, so we’re covered under the provincial plan for regular health stuff.
However, I pay into a benefits plans at work (which covers the family – currently just the two of us though) which covers dental appointments, prescriptions, and a few other things that I don’t use as often.
Post # 13
We both had it before we got married for ourselves. Once we got married, we ran the math, and for him to come on my plan was less than half of what it would cost for me to go on his. I work for the state, he works for the feds, so we were surprised.
Post # 14
@renwoman: We are in Canada, so we don’t rely on insurance for basic health care, just extended medical benefits like drugs, dental care, massage, and vision Care.
I am undecided whether to add my husband to my plan. The cost to me to move to family coverage is over twice the single coverage and would be an additional $800 a year. He does not take any medication or have any medical conditions, and the vision benefits and dental care are less expensive to pay out of pocket than what I would pay to cover him.
For the time being I think I will not add him to my plan.
Post # 15
I love being Canadian!
I have my health care covered and any drugs/prescriptions/massages/dental work/glasses/whatever else I need is covered 100% by my employer. My SO’s work covers 80% but we’ll be putting him under my plan soon.
Post # 16
@renwoman: I have insurance through my work but DH is in school and is only working part time in retail. So, they don’t offer benefits. My company pays like 80% of my premiums each month but they don’t pay any spousal premiums so my premium would rise from $80 per paycheck mto $250 per paycheck! We just can’t afford it. I keep telling DH to check into the school insurance but that is like beating a dead horse.