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My husband and I both have group health insurance through our employers His policy is MUCH better than mine and I am a dependent on his policy as well Should I drop my policy from my employer?
Wiki User
∙ 16y ago
Your example is quite common and a detailed look at the two policies may identify weakness in one that is stronger in another. Unless the better plan truly has everything you will need and offers 100% dental /drug/vision coverages, most plans only cover these benefits to a percentage or perhaps even a dollar amount. Your best coverage is obtained by retaining both plans and having them co-pay your coverage. That means that your husband's plan will pay the first portion of a benefit up to it's limit, then your plan pays the balance with him as the dependant. Same goes when you receive benefits (your plan first, his plan for balance). Co-pay is ideal for families as kids may need more benefit frequency or things like braces that may not be covered in full on either plan, which at least will reduce the amount you will have to pay.
Wiki User
∙ 16y ago
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Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.
Can an employer not allow a spouse to join her husband's medical plan if she has medical insurance with her company this is a self-funded plan?
No, they can't. You can have two insurance coverages.
Do you qualify for unemployment insurance if you quit your job to follow your husband to Colorado?
No. not if you quit. For one to collect UI, they must have been laid off by the employer. The UI office will verify the information with the employer. If you voluntarily quit, you are not eligible for unemployment insurance.
If both your primary and secondary insurance are the same will both policies pay?
If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.
Your husband is leaving his current job to take another job both husband and wife are covered under this employers health insurance can both parties be enrolled in the wifes insurance as prim coverage?
You should be able to. You typically can join your company's group plan during open enrollment, or after a qualifying event. Losing coverage from your husband's employer should be considered a qualifying event.Usually you have a limited time frame to make this change.If all else fails you may look into COBRA too.
In California is a spouse entitled to alimony and medical insurance paid for by husband after 13 years of marriage?
That is dependent of the work history of the wife.
Can my company force my spouse to take her employers insurance and force her off of mine?
Generally speaking (and this may not apply to every circumstance), an employer can force a spouse (or domestic partner) off of the employer's sponsored health insurance plan, but under certain conditions only. The spouse being forced off of the plan must be eligible for his or her own employer sponsored plan. The plan that the spouse is eligible for must include a comprehensive package, and not be a fixed indemnity limited coverage plan. For example, wife works and covers her husband and kids under her family plan. The husband also works, and where he works they too offer coverage under a similar comprehensive medical plan. He has waived out of his company's plan because he is covered by his wife's plan. In this instance the wife's company could force the husband off of her plan, thus making it necessary (maybe even mandatory) for him to enroll as a single subscriber under his employer's plan. The wife's company would not be able to force the husband off if the husband's company (1) did not offer medical insurance, or (2) if the husband's company only offered a limited coverage plan.
If insured by your employer and your spouse's employer which is the primary insurance?
Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.
Can an employee drop their health insurance coverage when it isn't their open enrollment to join their spouses coverage at their spouses open enrollment?
You can but it is unwise because you need to know when you would be covered by the spouse's health plan. Some plans have 3 and 6 monthj waiting periods. So it is wise to keep your insurance, sign up on the spouse's insurance then later on after you have your new coverage in effect you could drop your employer's plan. Some employers however "require" their employees to be covered or are paying for the coverage. Check with your employer about that. Some employers will also refuse to cover you again if you lose your husband's coverage. If the marriage is not is good shape it is a foolish to drop your own coverage in case there is a divorce. Sorry to mention it but is true.
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 wife pick up her husband paycheck without his consent?
No. Some employers and individuals may follow very casual customs and practices regarding that issue. However, if an employer handed over a husband's pay check to his wife without his permission, it would find itself liable for replacing it.In order to legally collect her husband's pay check a wife (and employer) would need a signed consent, or a valid Power of Attorney, signed by her husband, granting her that authority
Is my husband's employer responsible for paying for the injury that occured to him on the job even though the company does not have Worker's comp?
Yes they are responsible for anything not paid by your husband's health insurance. And, in the absence of Worker's Comp, you can take them to court if they refuse to pay.
