(Closed) Whose insurance plan is better?

posted 7 years ago in 20 Something
Post # 3
Hostess
18643 posts
Honey Beekeeper
  • Wedding: June 2009

I am on my husband’s plan right now.  Went on it when I was unemployed.  Now that we are both working for the government, we have the same insurance but it’s cheaper to have us both on one plan.

Post # 4
Member
3564 posts
Sugar bee
  • Wedding: August 2010

I’ve been on DH’s plan since before we were married (we were “domestic partners”). His boss pays the premium, so it’s cheaper for us to both be on his, instead of having my insurance premium taken out of my paycheck. I think his is probably better as well. 

Post # 5
Member
2237 posts
Buzzing bee
  • Wedding: September 2011

Ours are basically the same amount of coverage (although they’re technically different plans within the same insurance company) but until we have kids its actually cheaper for us to stay seperate then to be on the same plan, so we’re each keepping our own.

Post # 7
Member
10288 posts
Sugar Beekeeper
  • Wedding: October 2011

We work for the same company so we both have the same insurance plan which is pretty decent I guess. After we’re married, he will hopefully be quitting his job to work for our software company full time so he will be added to my plan. Right now we each pay $22 per week for our own insurance plans. After we go on the “family plan”, our payment will be $39 per week so its really not too bad. 

Post # 8
Member
46421 posts
Honey Beekeeper
  • Wedding: November 1999

The Canadians are going to win this competition-healthcare is free.

No charge for regular care, maternity care, surgery , emergency care etc.

And despite the fact that we do have waiting lists for non-emergency procedures, we have better  infant survival rates, and all other health outcomes than the US.

Post # 9
Member
1251 posts
Bumble bee

I have TriCare through my parents and the military, but that will only be good for 2 more years for me. He has an independent plan through Blue Cross, because his company is new and his work insurance doesn’t go into effect for 4 more months.

Post # 10
Member
1872 posts
Buzzing bee
  • Wedding: February 2011

Uh, we got married because of his health plan. 

After eight years of dating during which time I needed more robust insurance. Romantic? No. But such is life. 

Post # 11
Member
860 posts
Busy bee
  • Wedding: July 2012

@Miss Tattoo: After we get married, we will switch over to my plan because my plan is better with the Government.

Post # 12
Member
2397 posts
Buzzing bee
  • Wedding: May 2010

My plan is better and less expensive, so Darling Husband switched to my plan once we got married.

Post # 14
Member
5786 posts
Bee Keeper
  • Wedding: May 2011

FIs plan is much better. I can’t wait to switch and get lasik surgery.

Post # 15
Member
336 posts
Helper bee

Not engaged yet but SO and I live together… I would say his overall is a little better. His is way cheaper than mine- something like 10/month, and for anything beyond preventive care, he only needs to meet his deductible and the rest I [believe] is fully covered. Mine is about 10/paycheck and they only cover 80% after you meet the deductible. But I do have a great HSA that they pre-fund. And my company just switched over to BCBS which is what he also has. Whenever we end up getting married I would definitely go on his plan. 

 

Post # 16
Member
9056 posts
Buzzing Beekeeper
  • Wedding: June 2010

I work for the municipal government and he works for the federal government, so they’re relatively equal, but some differences.  Basic medical is obviously covered, but work pays for our extended medical.  His is part of his benefits package, and mine comes  $9.00 per month out of my union dues.

I get unlimited massage, chiropractics, physiotherapy, whereas I think he’s limited to 9 sessions per year.  My optical is better too, and I can get a private room at a hospital, where his covers a double.

He gets his basic dental completely paid for, mine’s 80%, and we both have 50% of orthodonitcs. 

We have unlimited prescriptions, but he has no deductible, and I have $200 deductible each year.

We’re currently each just using our own benefits because they’re pretty good.  Once we have kids we’ll go on eachother’s.  That way they go first from his (his birthday is first in the year) and whatever isn’t covered would be topped up by mine.  For example, if our kid needs braces, the first half would be paid for by his benefits, and mine would pick up the remainder.

However, he gets 93% of his salary for one year for parental leave, and I only get 90%.  But, with OT, it works out better for me to take it still.

 

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