Can I add my girlfriend to my health insurance if we live together?

Question

Some states allow benefits for "partners." Is this the same? I am insured by Humana (Open Choice PPO)

Answer 1

Check with your human resources department or your plan administrator and see if your plan allows it. Some states recognize common law marriages. If you're is one of those states and you've lived together long enough qualify, you may be able to add her as your spouse. Not all states recognize domestic partners either.

Your best bet is to talk to your plan administrator and find out.

Answer 2

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RE :Can I add my girlfriend to my health insurance if we live together?
Some states allow benefits for "partners." Is this the same? I am insured by Humana (Open Choice PPO)
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Answer 3

It all depends on your company and the policy they carry. My work only allows a spouse or child, but my fiance's work has a provision to allow significant others as long as they are living with you. Best bet is to check with your human resource department - it never hurts to ask!

Some states recognize common law marriage (living together for 7 years) and some don't...

Good luck!

Answer 4

Depends on your plan and the state you are in. If you have group insurance and you claim her as a common law wife then you could probably add her. You need to call your carrier and your company's admin person to verify. Also depending on your plan, you might have to wait for open enrollment if you don't have a qualifying event. Individual insurance and group insurance rules vary by carrier, state, and employer so no one on ya really can tell you. You could also call your insurance agent to check. (I suggest calling carrier and employer since some admin/human resource people really don't know details of their plan...again varies from large group to small group to individual plans)

Answer 5

There are several levels to this "domestic partner" benefit. First, state law has to allow it. Then, the insurance carrier has to allow it. Lastly, your company has to allow it. It has nothing to do with "common law", but all will require that you meet certain criteria. It also has nothing to do with same-sex marriage or civil unions.

The easiest place to get an answer to this question is the Human Resources department of your company. They will know if the state, the insurance company, and they allow it. You may have to wait until open enrollment in order to add her to your insurance, if allowed, unless some qualifying event happened, like she lost prior coverage. You will have to provide proof of that prior coverage.

Answer 6

It depends on both your state, and your employer. Very, very few employers will add "domestic partners" to a health policy without the state mandate.

This is a question for your employer. If you do NOT have health insurance through your employer, then you cannot add ANYONE to it - they need an individual policy.

Answer 7

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RE Can I add my girlfriend to my health insurance if we live together?

Some states allow benefits for "partners." Is this the same? I am insured by Humana (Open Choice PPO)

Answer 8

I know in some states partners is for either gay people, or people who are common law marriage (meaning they have been together long enough to be considered married. I think it's 7 years.) Usually a company will not allow a dating relationship. Ask your company for more info.

Answer 9

common law marriage only applies to assets. She would either need to be a dependant or spouse. Most insurance companies won't extend coverage to those with no familial connection.

Answer 10

I rather doubt it. in the example of Texas, "straightforward regulation" marriages additionally are required to has filed a type to attain that prestige, which of course would not artwork for the reason that he's married. He can not have a spouse as a based and a stay-in lady pal as yet another based. The well being care co will giggle approximately that as they are denying it.