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How does it work to choose between insurance offered at new job and your spouses employment?

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Wiki User
2015-07-16 19:26:26
2015-07-16 19:26:26

You would have to sign a waiver on your insurance stating that you have prior coverage. Your application that your employer gives you should have that on it.

The above answer assumes that you have the right to opt out. Here in CA if your employer pays 100% of the premium you can not opt out even if you are eligible for other group coverage. Often the employer will tell you that they pay 100% (and they actually do) but the plan documents will say that they only pay 99%. This would then allow you to decline coverage.

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They can if the spouse has insurance offered at their place of employment.

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The employer does not have to pay for the spouse's coverage. It can be offered to the employee and the cost taken from his/her paycheck to cover the spouse. There is no legal requirement for the employer to offer coverage for spouses -- even at the employee's expense. However, it would be very unusual for a plan to cover only employees and not have coverage available for spouses and children.

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Generally, the owner of the policy has the right to choose their beneficiary.

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One way to obtain medical insurance is via a medical insurance plan that is provided by an employer. Sometimes group medical insurance plans are free for the employees, and occasionally for the spouses of the employees, and there are many employers who offer medical insurance plans to their employees at discounted rates. A person who is looking for a job needs to find out if the company provides any benefits, including a medical insurance plan, for its employees. This is an excellent way to obtain medical insurance. A group insurance plan offered by a company costs less and often provides better coverage.

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There can't be a way for it to be held against YOU. Other insurance companies can't bug you for their mistakes.

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Not in the United States or Canada, unless the employer also refuses insurance coverage to opposite-sex spouses.

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It is normal to have responsibility for it. The insurance often also required the spouse to accept responsibility and the primary insurance holder is always required to do so.

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If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.

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if convicted of dwi insurer can deny coverge for named insured and spouses cars if no lienholder.

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Is the child willing to sign the application and take the physical? I don't see why not.

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You will have a choice between your employer's plan and your spouse's plan. Your employer may ask you for proof that you are covered by your spouse's plan. Your employer's plan will want this, in order to ensure that people are not dropping out for other reasons (such as they can't afford to join).

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That would not be a very nice thing to do, what you should do is write to your spouse and the insurance company, point out that you are now separated and indicating that you will no longer be paying for your spouses insurance after a fixed date in the future. This informs the insurance company of your intentions and allows your ex spouse to arrange their own health insurance.


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