(Closed) Health insurance for after we get married?

posted 6 years ago in Wellness
Post # 3
Member
253 posts
Helper bee
  • Wedding: November 2012

For my job, I can only make changes (like adding FI) to my insurance once a year, during a time called ‘open enrollment’. So every November this time comes around and I can make changes to my insurance and add people to it if need be. We are getting married November 7th so this will work out perfectly. 

I am not sure if you will still be covered on your parents or not…I think you should ask the insurance company directly, as some policies differ.

Post # 4
Member
1695 posts
Bumble bee
  • Wedding: March 2012

@nikole.powell.np:  I was going to say exactly the same thing.  Our open enrollment is in May…hurry up May!

Post # 5
Member
1048 posts
Bumble bee
  • Wedding: March 2012

@blondie634:  Get your fiance to talk to HR – they will have the answers. Every company/plan is different.

With mine, I was lucky. My husband added me to his plan about two weeks after we got married (they let you enroll anytime) and it was retroactive (it covered back to the wedding date in case I had any medical things done/medical emergencies).

Post # 6
Member
65 posts
Worker bee
  • Wedding: March 2013

I know my FI’s insurance gives you 30 days after a life changing event (marriage, child, etc.) to change/add someone to his insurance. If he doesn’t do it in 30 days he has to wait until December for open enrollment. 

Post # 8
Member
656 posts
Busy bee
  • Wedding: May 2014

I definitely suggest talking to HR departments and the like. I’m under my parents until I’m 26, and if my FI’s benefits weren’t as good, I wouldn’t have to change if I didn’t want to even when we do get married, but that’s something my father’s union is okay with. I know at my old job, there was a category of “life events” that could bypass waiting for the open enrollment, and that included things like marriage, divorce, gaining a dependent, etc.

Post # 9
Member
2073 posts
Buzzing bee
  • Wedding: July 2012

I believe that a lot of companies allow you to add a new spouse (or child) within 30 days of getting married (or after the birth of a child).  If you don’t do it within the 30 day period, then you will need to wait until the open enrollment period.  It may be worth making a phone call to your FI’s insurance company to ask or have him talk to someone in HR.  You could also call your current insurance company to ask if you’d continued to be covered after your marriage.

Post # 10
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

Our insurance gives you 30 days after a “life changing event” (marriage, birth of child, etc.) to change/add someone to the insurance.  It was then retroactive starting the day of the “life changing event”.  If you don’t do it in 30 days, you have to wait until open enrollment. 

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