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Is there a law on medical policys in NY that if during divorce your husband has to drop you from his policy you can pick up mine through your employer?
Wiki User
∙ 12y ago
The question is confusing. You should try talking to your HR department and your divorce lawyer.
Wiki User
∙ 12y ago
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Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance plans "coordinate benefits". For example, if both you and your husband had health insurance through your separate employers, your insurance would be primary and your husband's insurance would be secondary and vice versa for your husband. It can be different for an individual policy/plan. Health insurance is very expensive in this country so most people can't afford to buy individual medical insurance.
Can a husband drop his wife from medical coverage even if she cannot get insurance through her work?
If your question is on the legality of dropping the wife from insurance, the answer depends on the State and on the status (legally separated, etc.)of the marriage. Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to say who is or is not covered on "HIS" policys. Sorry
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