Q on medical benes---his vs mine
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Q on medical benes---his vs mine
| Fri, 05-12-2006 - 8:43pm |
Hi, All. Am asking informally, sort of a poll, but how many of you are covered individually by your company's benes and how many have benes thru spouse? As someone suggested, when DH gets aboard his new job, I am SERIOUSLY considering getting on his benefit system. Of course, it will be the standard 3-month wait, etc., but unlike my company, there is a choice. For those of you who are covered under spouses' or SO plan, anything to be aware of? Good or bad experiences? Thanks. Whiz.

Hello,
When my DH was laid off, I changed my medical insurance to include him. It's provided through my employer. Once he found another job with benefits, he signed up for his own plan and I removed him from mine. It's more expensive for me to be on his, or he be on mine as a spouse, than it is for each of us to be covered individually by our workplace, but if you don't have the choice of signing up at your own workplace, I would definitely get you added to your DH's.
Honestly, take a look at the plans available and choose the most economical one for your needs. If you already visit doctors that are "in network" and don't plan to have any unusual surgery (like I have, a laparoscopy once every year for 5 years) then you could choose an HMO plan. I personally would choose the 90 / 70 PPO type of plan (if available) so that I can choose the doctor I visit, even if the doc is "out of network".
Sincerely,
Lindsey Schocke
Geeks on Tap: Mission Accomplished
Double check that if you sign up for his and DROP yours, that you still have coverage.
When I was still working my company's insurance worked this way.
Jennifer