0
Can you drop your husbands insurance through his work and get your own insurance?
Wiki User
∙ 13y ago
Yes.
The best way to go about doing this would be to get quotes before the annual period in which you can enroll/disenroll, and go ahead and apply for an effective date that is the same day that you can make changes. That way, if anything stops the private company from issuing the insurance you can keep the work coverage without having any period where you are without coverage.
Wiki User
∙ 13y ago
Add your answer:
Earn +20 pts
What if your husbands dental insurance doesn't cover crowns and you can get dental insurance through your company does he have to drop you from his?
Absolutely not. However your husbands policy would become your secondary insurance and you would hold your own primary insurance. Make sure you check with each insurance company to verify that the offer coordination of benefits on what is considered major work!
What is the definition of primary coverage in regard to medical insurance?
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
Can you purchase dental insurance if you have existing insurance through work?
Yes
If I work full-time and have health insurance. Can I drop the health insurance when medicare kicks in ?
It might be a good idea to keep both. If you don't have to pay anything for the insurance through your job, I would definitely keep both. If you have prescriptions that are expensive or brand named, you may want to keep your current policy.
Can you drop out of your work insurance plan at any time if your spouse's new job offers you better coverage?
Check and make sure that your spouse's employer does not require you to keep your insurance first. My employer requires that if your spouse has insurance available through their work they must get it or they will drop them from their policy. Yes. The problems come not when you drop a plan, but when you want to sign up for a plan and it's not open enrollment or you're a new hire. For more info see http://www.steveshorr.com/bc.group.htm and scroll down to "deleting employees from a plan" My ex wife has custody of our two children. She just put insurance on them from her work a few weeks ago. I just graduated college and put them on my insurance at work. Her insurance says that she can't drop the dependant children with out an "event" happening. They said I would have to go to court and have the court order me to pay support, then they would drop her coverage. I belive you can drop anytime. Does anyone know if I am right or not? ANSWER If the employer takes the premiums for the insurance in pre-tax dollars by using a 125 Flex Premium Only Plan, the IRS can penalize the employer for allowing employees to drop the insurance plan without an IRS qualified "event." An event is defined as a birth, a death, a marriage, a divorce, an adoption, a change of employment, a court order, a move of over 50 miles.
If my husband gets a job and has insurance will Medicaid cancel my insurance. I am currently pregnant and didn't have insurance so I applied and got approved. Do I have the option to keep medicaid?
No. More information would be necessary to give an exact resolution, but you are not allowed to have both private insurance and Medicaid. You can not have both private insurance and medicaid at the same time. That is what is called double dipping. You husbands plan should have an option to "opt-in" to his plan if it is a group medical provided through work.
Is it legal to have your own health insurance through your employer as well as being on your spouse's employer's health insurance plan?
Yes, but check into them carefully first. Both me & my husband both have insurance coverage on us and our kids. I did not realize it but it is hurting us more than helping us at the moment. My insurance is not as good as my husbands and my birthdate falls earlier in the year. My husbands insurance has a "do duplication of benefits clause in it" which means when they figure up what they pay they figure out their normal amount they would pay subtract off what my primary insurance paid and then pay the difference which is little to nothing. What is really hurting us is that they have larger discounts than my primary and so when they would have paid all of it had they been primary but pay nothing since they are secondary we are stuck to foot the bill (last one was $483.00). Unfortunately I cannot drop my insurance and my husband cannot drop his because of clauses that state that if your spouse has insurance available to them from their employer that they much take it. However, I am going to drop mine to a basic single plan (the smallest I can get) and let my kids just be covered under my husbands which will save us money in the end ( I hope unless there is something else I don't know about), Unfortunately I cannot do this until next January (I just found out about the discounts thing) when my company allows changes to insurance plans. Yes. One is primary, one is secondary. Primary is usually whose birthday comes first in the year. The birthday rule only applies when there are dependants involved. The primary insurance is always the insurance for the company you work for. If your spouse has his/her own coverage, there health insurance from their company will be their primary and yours will be the secondary.
Can your employer drop your insurance when you are out of work for an injury?
I presume your asking about Medical/Health Insurance? If you are out of work for a work-related injury [ie. you're on work comp] your company can terminate your medical/health insurance. I don't think it applies to short-term or long-term disability as those are health/medical benefits to begin with.
Does personal health insurance cover a work related injury for a self employed person?
Work related injuries are generally excluded through health insurance
What are the release dates for Should Husbands Work - 1939?
Should Husbands Work - 1939 was released on: USA: 26 July 1939
How will Obama's health care plan effect me if i already have insurance through my mom's work?
Your mom's company will probably drop its current health insurance plan and go with Obama's public option, because the public option is going to be cheaper than private insurance. You'll still have coverage, but being cheaper, it probably won't be as good as what you have now.
Where can I get disability insurance?
Disability insurance is usually through one's place of employment. It is not usually something that one can get on their own since it is insurance against instances at work.
