Leila
Super October 2017

Health Insurance

Leila, on November 11, 2017 at 11:10 AM Posted in Married Life 0 18
Saved Save
Reply

What are some things to consider when you are trying to decide whose insurance to join?

18 Comments

  • Light Haired Girl
    Expert February 2018
    Light Haired Girl ·
    • Flag

    Cost and coverage.

    • Reply
  • Katie
    Expert July 2018
    Katie ·
    • Flag

    -How much do you go to the doctor? If you're pretty healthy and only go for your annual, then a high deductible plan will have lower premiums. However, if you have any chronic medical conditions that require frequent visits, labs, meds, you want a lower deductible. Some insurances don't offer a high deductible plan.

    -How important is it to stay with your current doc/have your choice of docs? PPO offers more flexibility, but HMO offers more coverage.

    -Do you have/will have kids? Pregnancy care coverage can be different. Kids, esp babies, require frequent doctors visits.

    All of this will really depend on your health and your healthcare needs. FH is coming onto my plan when we get married just because Aetna has better coverage than United Healthcare. Also pediatric care under my plan is covered at 100% for when I decide to have children.

    • Reply
  • karen
    Master October 2017
    karen ·
    • Flag

    If you have a favorite doctor or hospital, see if in plan.

    • Reply
  • snowangel
    Super March 2017
    snowangel ·
    • Flag

    When my husband and I did this, we primarily looked at how much each plan cost and based our decision off of that. It ended up being more cost effective for me to join his plan. I also have some chronic health issues that require me to see a specialist on a regular basis, so we didn't want a plan that I would constantly be needing to get referrals. My plan needed referrals and his didn't, so that was another big factor in choosing his insurance. Each of you should look at your current doctors, if there is anyone you would be upset to not be able to go to anymore, and make sure they are in-network for whichever plan you go with. If either of you take any prescriptions on a regular basis, also check if they will be covered under the plan. It can be super annoying to have to switch brands for a medication that was working for you just because the new plan doesn't cover it.

    • Reply
  • RaeGin
    Master September 2017
    RaeGin ·
    • Flag

    When we were considering joining we looked at the cost and coverage. It turned out is was SIGNIFICANTLY less expensive to have 2 separate individual plans than to have us on the same plan.

    • Reply
  • kahlcara
    Master August 2013
    kahlcara ·
    • Flag

    Cost, coverage, options that are available to you. DH is self-employed, so we thought about adding him to my insurance last year, but it was actually cheaper for him to buy insurance through the exchange. Adding him to my insurance is about $100/week more than just me. Unfortunately we may end up doing that this year because even a catastrophic plan is now $400/month.

    • Reply
  • Candie56347
    Dedicated July 2018
    Candie56347 ·
    • Flag

    Check cost and deductables.

    • Reply
  • Leila
    Super October 2017
    Leila ·
    • Flag

    Thanks !!!

    • Reply
  • 2
    Expert July 2018
    2ndtime1stwedding ·
    • Flag

    My FH insurance started this new thing where if your spouse has insurance avail at their(mine) job but you choose to sign them on yours(his) you pay a penalty. I think he said it’s like $500/year. My insurance at work is super cheap and awesome coverage. I’m talking $22/week.

    • Reply
  • 2d Bride
    Champion October 2009
    2d Bride Online ·
    • Flag

    One more thing: If you don't have a lot of health issues, you might consider a high deductible health plan. With one of those, you can put pretax money into a health savings account. The account can be used for health expenses if you have them. However, if you don't, it becomes an extra retirement plan. However, it is better than a 401(k) or IRA, because so long as you use the money for medical expenses (including payment of Medicare premiums, the money is never taxable.

    • Reply
  • C&N
    Super October 2017
    C&N ·
    • Flag

    Cost of premiums, deductibles, copays, coinsurance, and max out of pocket amount. Also coverage and HSA contributions if it's a high deductible plan.

    Many places now are charging extra for spouses who are able to get insurance from their own employer but don't.

    Oftentimes employers charge quite a bit more for dependents/spouses, so also evaluate if it makes sense for you to stay on separate plans.

    • Reply
  •  Brooke
    Devoted October 2018
    Brooke ·
    • Flag

    My work doesn't offer health insurance so there's only one option Smiley sad

    • Reply
  • C&N
    Super October 2017
    C&N ·
    • Flag

    Also, an HSA is NOT a replacement for a retirement plan and is not better than one. They serve very different purposes.

    • Reply
  • Sarah
    Just Said Yes November 2017
    Sarah ·
    • Flag

    Spouse surcharge. At my company, if our spouse's work offers insurance and our spouse join our insurance instead, we would have to pay a surcharge every paycheck.

    • Reply
  • Jana
    Devoted September 2017
    Jana ·
    • Flag

    It was far less expensive for us to keep our own plans - both charged a significantly higher amount to add a spouse. For our employers' options, it only made sense to be on the same plan if 1 spouse is unemployed or doesn't work full time...or wait to join up when we have kids

    • Reply
  • Shannon
    Expert October 2017
    Shannon ·
    • Flag

    Price and coverage are really the only concern. It was much cheaper for us to each keep our own. Like more than $100 less each month.

    • Reply
  • BB-H
    VIP September 2018
    BB-H ·
    • Flag
    View Quoted Comment

    Mine does that too.

    Basically, "If your spouse has coverage at their job and you choose to cover them on your insurance here at your job, then you'll pay a penalty for it." I think ours is $100 but I'm not sure. But that's something I didn't even know until I was sitting down and pricing things out. He doesn't have insurance through his employer so we don't need to worry about it, but I still think it's silly.

    • Reply

Comment on this discussion

×
WeddingWire celebrates love ...and so does everyone on our site! Learn more

WeddingWire article topics