My husband had blue cross blue shield insurance through work...I am on it too...Will our rate go up?

Question

When our twins are born in October?I was under the impression that with insurance you either have a "single" rate or a "family"rate this is why my assumption is that the rate will not change...Anyone know for sure?

Answer 1

Likely, your rate will go up.

The options you have are usually individual, individual plus spouse, individual plus children (excluding spouse), individual plus one child, and family. It does vary per state, and per plan, but those are the standards.

So likely now, you're on individual plus spouse, but will be moving to family. The premium is only slightly higher than individual plus spouse, so it shouldn't be too much of a budget buster.

**and good luck with the twins. It's HARD. Sleep now, while you can!!**

Answer 2

Depends on the nature of the policy which your husband's employer carries. Of late, it has been getting more common to see a three tier rate for employees. Single, married with spouse only, and full family.

If you have other children, you're already probably on full family. If these are your first, I'd check with HR to see exactly what sort of policy is in effect here.

Answer 3

Yes I have BC/BS and they will not raise the rate. Because of twins. They are covered under the Family plan.

Answer 4

These days they have single, single an spouse, and family so most likely yes it will go up