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.
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.
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Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
A person can certainly choose to drop a spouse from their coveragewith one exception. If the employer is paying 100% for the employeeand spouse then the employee can not opt out of coverage since itcosts them nothing. You may be required to show that the spouse hasalternate coverage. Check with your… HR department or benefitscoordinator. (MORE)
When does dependent medical coverage restart if a student drops out of school for a year goes on COBRA and then re-enrolls as a full time student?
Answer . It starts as soon as he's enrolled. May start sooner, like over summer vacation. Call your Insurance Company or agent and ask for the forms to show full time status and let them know. For more information and CA forms check out www.SteveShorr.com.
Can an employer in OH legally deny coverage for a spouse if the spouse's employer offers health insurance?
Generally insurance coverage should be offered to an employeesspouse. It does not matter if they are offered coverage from theiremployer whereas it provides an additional option in case 1 plan ismore affordable than the other.
Is an employer responsible for continuing health insurance coverage if an employee is out on workers compensation claim?
I don't know anything in the Code that requires it. The EmployER application for Group Medical Coverage asks if an Employer would like to allow an employee to keep coverage for up to 6 months. What if the Employer is only paying a portion of the premium? The Employee would still have to pay his port…ion. For a copy of the Blue Cross employer application Question # 10 http://www.quotit.net/eproIFP/webpages/applications/applications_group.asp?license_no=0596610 There is always COBRA (MORE)
Is it legal for a company to refuse to allow you to enroll in their medical insurance simply because you are listed under a spouses insurance plan as well?
Answer . \nIf your company pays the premiums themselves for employee health insurance, it is understandable why they would refuse to cover you. This is an extra cost for them and you are already insured. You could ask them if you yourself could pay for the coverage. Why would you want to be cover…ed under two health plans anyway? If the coverage on one plan is better than the other, then go on the better one, and drop the other.. Answer . No, and I would go after them. They have to extend the same insurance benefits to all employees, regardless of marital status. It's really none of their business if you are ensured elsewhere or not. There is no reason why married women should have to pay for medical coverage and oh, say, single or married men get it free. Get on the phone to the EEOC and/or an attorney.\n. \nPS, to previous poster. It's so unusual for US employers to pay 100% of medical coverage, I'm not even going to address it. (MORE)
Answer . Maybe. What does their agreement with the Insurance Company say? Employment manual? Are other dependents covered for other employees? Open Enrollment? Qualifying Event? For more info see www.SteveShorr.com
Can a spouse drop or cancel insurance on the other spouse if that spouse has no other coverage This for the state of Florida The husband has cancer and the wife wants to drop him from her insurance?
\n. \n Answer \n. \nWhy would the wife want to do that? Check the Family Law Code in your State - she's probably responsible for any debts that her husband incurs.\n. \nCheck with the Insurance Company - they will probably write a separate policy for the husband. If's it's group insurance -… he's probably entitled to his own policy under COBRA - once COBRA expires - he's probably entitled under HIPAA (MORE)
How can an employer cover spouse and kids on health Insurance and then a year later say that the children are not covered because the other spouse has insurance coverage on the children?
Answer . \nOnly one company can pay out on the health insurance so it is a waste of money being insured twice, and also it will save you the tax you are paying on the premiums.
\n. \n Answer \n. \nIf you're not divorced, you're husband may still be responsible for your medical bills. Check the Family Law Code in your state...You would still be entitled to COBRA.
Usually the Insurance underwriters would offer the licensed driver what is called a Named driver exclusion. This should not affect the cost of your insurance premium. The u/w would need to know information about the unlicensed operator (why don't they have a license? was it suspended, revoked, or ar…e they just not licensed because of a handicap, or the person just does not drive) Once this is determined then he u/w would better know how to proceed in offering the NDE. (MORE)
Can you get short term disability insurance if you are pregnant and have coverage through your fiance's company and did not elect short term disability at open enrollment with your employer?
Answer . Its sort of like wanting to buy Life Insurance after you die isn't it? I am sure you can get SDI but not to pay you when you take maternity leave.. There are three parts to this question and answer: 1 - You can obtain short term disability coverage if you are already pregnant. It wil…l cover you for accidents and illnesses only. Your future pregnancies will be covered if you continue the policy. 2 - Open enrollments are attached to programs you select on a pre-tax basis - per IRS Section 125 rules. You can pay for short term disability on a post tax basis, and enroll at any time. When you pay the premium using post tax dollars, your benefit is tax free. 3 - You should get short term disability at your place of employment. If your employer does not offer the option, its easy to ask for the benefit since you are paying the premium, not your employer. You do not qualify for benefits at your fiance's employer until you are married. (MORE)
\n. \n Answer \n. \nThere may be issues with Open Enrollment \n. \nSee the rules about late enrollees\n. \nYou might qualify for Special Enrollment
If you are married and will be the sole driver of a vehicle can you get auto insurance coverage only for yourself or do you have to get coverage for the spouse with a poor driving record?
You can exclude your husband from your policy thereby not pay premiums for him, but be sure to NEVER let him drive as there would be absolutely no coverage.
Answer . Yes and no, depends on the circumstances. Are they similar situated individuals? Does the employer care about the premiums being tax deductible?
\n. \n Answer \n. \nYes on Individual plans. Employer Groups have guarantees If you're denied as an Individual there may be a State Risk Pool for you http://www.nahu.org/legislative/HRPs/index.cfm
Should you have family coverage where you work if your spouse has a different insurance carrier where she is employed?
Everyone in your family should be covered certainly, most folks would go with the company that provides the best coverage for the least premium, if you have insurance at both places then one would be primary of course.
To find out if your eligible for Medicare, you can use the Medicare Eligibility Tool at the link below:. http://www.medicare.gov/MedicareEligibility/home.asp?version=default&browser=IE%7C6%7CWinXP&language=English. If you're not eligible for Medicare, you can check with the different insurance com…panies to find out about individual coverage. (MORE)
Check with the Dept of Insurance in your state or the National Association of Insurance Commissioners website (naic.org/state_web_map.htm) for links to the state officials you are looking for
Can an employer who pays 100 of an employees insurance change or drop his spouse if they are separated?
Answer . While there might be a state law somewhere that allows it, I would be surprised. A separation does not remove the duty of each spouse to support the other. If the employee has the insurance befre the separation, he will have to keep it until a divorce, remarriage after divorce, she obtai…ns her own insurance or a court orders otherwise. (MORE)
No, you do not have to include your spouse on your health insurance. have to include spouse on health insurance?
Can you drop your employers health insurance to enroll in your spouses insurance if it is not open enrollment in YOUR insurance in Oregon?
You can dump yours at any time as long as you can be added to your spouses at this time.. Answer The way I read the "permitted election changes " rules, no. You would have to wait for your open enrollment to cancel, which would be a qualifying event allowing your spouse to add you to his/her poli…cy. To read the IRS guidelines use this link. http://mtnhealthinsurance.com/index.php?pageName=IRSSection125-4 Don http://mtnhealthinsurance.com (MORE)
How do you determine which is the primary and secondary insurer if you and your spouse both have medical insurance coverage?
It goes off the month in which the parent was born! Who ever was born 1st is primary. It does not go off the age!
Yes you can. If you feel his coverage is adequate to meet his healthcare needs, then keeping him on your plan would be paying for insurance that you don't need.
The average amount of life insurance can vary for your spouse based on several factors, including gender of your spouse, their age and health, the cost of life insurance, as well as other factors.. In 2002, the average new individual life insurance policy was $129,459.. Source: American Council of… Life Insurers. The amount you need for life insurance for your spouse may vary depending on the value your spouse provides, do they work and earn an income? If they are a stay-at-home spouse, what work around the home do they take care of that you would have to pay for if they were no longer there? Do they take care of the kids, wash clothes, clean the house, run errands, etc? It may cost quite a bit to replace all the work a stay-at-home spouse performs on a regular basis.. You may want to use a life insurance calculator to help you in determining your life insurance needs for your spouse.. There's a good calculator available at http://swz.salary.com/momsalarywizard/layoutscripts/mswl_newsearch.asp that provides a way of determining what mom's work at home is worth. They also have one for stay-at-home dads, too. (MORE)
I have been on the internet trying how to figure out to fill out an open enrollment papers for my health care benefits with invacare and have not been able to get through
Can you drop your health insurance coverage at anytime from your employer? Read more: http://wiki.answers.com/Q/Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer#ixzz1d7yLrC9k .
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 lo…ok into COBRA too. (MORE)
Assuming you are referring to your company health plan, open enrollment is your annual opportunity to change your benefit selections. Passive Open Enrollment means your benefits remain the same, even if you do not make a selection. Active Open Enrollment means you MUST make a benefit selection, even… if your selection is "no coverage". Due to government legislation in the United States, you cannot change your benefit selections outside of the open enrollment period unless you have a "Qualifying Life Event". (MORE)
At Open Enrollment (yours or his) you can make a switch to one or the other. Between those times, most plans will not allow you to make a change of coverage unless you have a life event (ie job loss, marriage, death). So if you want to drop your spouse's insurance during your open enrollment, you …probably can do so. Check with your company's human resource/benefits department. (MORE)
Yes, you are covered as long as you are in the country. Some companies do not allow you to go to doctors out of their system though, so be careful!
In the United States, people purchase health insurance through their employer. Rather than collect 100 checks from 100 individuals, the health insurance companies collect one check from the employer. That makes book keeping a whole lot simpler. Sometimes husbands and wives have health insurance from… different companies. One can lose his or her job. The one without a job purchases insurance from COBRA. Once a year the insurance company will have an open enrollment period when people in the company can add or subtract a husband, wife, or child. By having the period once a year, no one can add someone on during the year just before that person needs an operation. The open enrollment lets a person add a dependent but cuts down on abuse. (MORE)
It wouldn't be a good idea, because there are deductibles, co-pays, etc. not covered by Medicare.
With hundreds of different insurance packages to choose from, try visiting the site listed under the related links for guidance on how to best handle your insurance issues.
Does an employee with existing group health insurance have to enroll into Medicare at age 65 buy a supplemental plan then drop the group health insurance?
You have a choice to stay in your employer's plan or join Medicare. When you do stop working and lose your group health plan, make sure you enroll in Medicare within 8 months. You could also enroll in Medicare Part A (hospital coverage), and postpone enrolling in Part B (physician coverage) until… you are done with your group health plan. Part A does not cost you a monthly premium. You would be over-insured, but the Part A benefit is available to you at age 65, whether you have other coverage or not. (MORE)
Health insurance is literally "insurance against charges incurred due to health related services being rendered" what that means for the typical person is that you pay a little bit every month so that in the case that you do need health services for yourself or loved ones you have help paying those …costs. If you are employed and opt for health insurance coverage then you will pay a premium (a flat rate taken out of your paycheck according to level of coverage you want and how many people it will be covering). Most employers have one insurance company with different plan choices (United Healthcare, Aetna, Cigna, BCBS, etc). Just because you have health insurance coverage does not mean that you will not have any responsibility for charges incurred. Insurnace companys use "cost-sharing" methods to save themselves money. The three types of cost sharing - copay, deductible, and coinsurance. Copay is a flat dollar amount that you pay for specific services (10 $ office visit 20 $ specialist 150 $ surgery). Deductible is a minimum amount you must pay before your insurnace company will pay anything. Coinsurance the insurance company pays a portion, usually 80-100% of the total charges and the balance left is the patients resp. How good a insurance coverage is usually depends on lower deductible and copays and how much the total out-of-pocket ends up being for the patient. (MORE)
In general, health insurance covers the cost of medical or hospitalization care as a result of an illness or injury that occurs or is manifested while the policy is in force. Like other kinds of insurance, the benefits are payable in return for the insured paying a premium. A premium is the amount o…f money charged by the insurer for the coverage. The coverage can be any one of a number of varieties, depending upon what is purchased: 1. Fee for service. This involves the health care provider billing the insurer for a fee, and the insurer paying all or part of it. Generally, there are guidelines that the insurer follows in determining the amount to be paid, and it is often determined by a community standard. The policy itself provides that the person insured must pay a portion of the charges per visit or occurrence (the deductible), and also what of usually called a co-payment. The latter reflects the fact that a policy may pay only a percentage of the allowable charge, for example, 80%. The corollary is that the insured pays the remaining 20%. In general, the larger the deductible and co-payment that the insured assumes, the lower the premium, because the insurer is at risk for less. 2. PPO. This stands for Preferred Provider Option. In a nutshell, healthcare providers agree to become a part of the insurer's network of providers, and pre-negotiate fees for stated procedures. An insured who is a member of a PPO typically sees a physician or goes to a hospital that is in the network, and gets the benefit of the reduced fee. The PPO pays the pre-negotiated rate, subject to the insured being responsible for a deductible and a co-payment (as discussed above). If the insured goes to a non-network provider, normally the deductible or co-payment is higher. 3. HMO. This stands for a Health Maintenance Organization. Ir is a form of what has become known as "managed care" and emphasizes preventive care. It has several models, including one involving in-house physicians, and one involving physicians who maintain their own practices but are devoted mainly to HMO patients. For a fixed monthly fee, the patient is entitled to a range of services. Costs are kept low because medical expenditures are monitored closely and permission is required to see an out-of-network provider. (MORE)
Can an employer reimburse the expense of one employees medical coverage when carried by the spouse and not offer that same option for other employees?
If you all receive the same health benefits, then no, however if you are in a different group of workers with separate terms of pay and benefits, then yes.
Can a health insurance provider drop a spouse because the employee did not give them a marriage license?
Yes. Many carriers are now doing dependent audits to make sure the people you have added to your policy are eligible for coverage. Failure to provide the appropriate documentation can result in the person being dropped. If you poured through the master policy you will likely find the language that g…ives them that right. (MORE)
If you are asking if you can cover a domestic partner on your policy the answer is it depends on the state regulations, the selection of that option if it is not mandatory and the definition for qualifying. If the question is more general and not about adding to your policy, you can choose to pay fo…r anyone's health insurance you want to if a carrier will offer the coverage. (MORE)
Who to talk to when your company refuses to allow you to put your son on the health insurance plan due to no open enrollment?
All policies have specific rules for adding dependents. The general rule is either at open enrollment or when there is a qualifying event. That event might be loss of previous coverage, new birth or adoption etc. You are generally not allowed to add a dependent at will. One of those circumstances mu…st be the reason and each has a specific time frame that must be followed. If you do have a qualifying event and your employer is refusing to add your son call your state Dept of Insurance. (MORE)
You can get good health insurance coverage on AARP, Humana One, and Aetna. The companies provide you dental, medical, pharmacy and life insurance. Prices are decent and you can be prepared when you are injured or dying.
Not usually. With most companies the spouse will be required to sign the exclusion. I always recommend my clients against excluding people from their insurance policies. An exclusion takes away all coverages on a policy if the excluded person is driving not matter what the circumstance. Back to you …original question, it is up to the insurance company whether or not the spouse must sign to be excluded. (MORE)
Many reasons. Most commonly, for not paying the monthly premium on time (or at all). Another reason could be falsifying information on the initial application for insurance.
Yes you can select whatever coverage you want through your employer. However, your enrollment is through your employer and they usually only allow you to make changes to your coverage during open enrollement (the beginning of the year most commonly).
Assuming the employer offers coverage to spouses, then the employer would not have the right to turn a spouse away. The spouse's loss of coverage is a "qualifying event" and the employer's insurer would allow the spouse to join.
Either go to the HR department where you work or contact your insurance company directly. The company will need this in writing. Make sure there is no lapse in coverage.
In general, there is no legal requirement that a spouse be insured on the other spouse's health insurance. A major exception to this general rule would be, for example, if the parties were to be divorced and a provision of the settlement agreement or judgment required otherwise.
Health insurance open enrollment is typically offered by companies for 1 to 2 months out of a year as a way for many companies to allow employees to easily change their insurance coverage.
There are lots of reasons that dropping your health plan at anytime is unwise. But to answer your question: You can go for up tothree months without health insurance, and still not have to paythe penalty/ tax. You drop your health plan by stopping yourmonthly payments for it. If you are covered by a…n employer plan,you would notify your employer. The employer will have forms foryou to sign, and may ask you to verify that you have healthinsurance from another source. When you stop paying for your plan -- either at work or at home --your coverage will also stop. You pay for health insurance inadvance for the following month. So, if you don't pay the bill thatis due at the end of January, you won't have coverage in February. Keep in mind that you cannot pick up coverage whenever you want to.If you drop out, you cannot re-enter until the next openenrollment. Whatever medical bills you have while you are uninsuredare your responsibility. There is no such thing as back dating yourhealth insurance to cover your hospital bills that you had lastmonth. (MORE)