My fiance has a great job and is covered under his company's health insurance plan (Blue Cross Blue Shield). Can I be covered under his health insurance (for an additional premium, of course) if we are living together but not yet married?
2007-09-14 08:42:07 · 13 answers · asked by NatBug 2 in Business & Finance ➔ Insurance
Only if the company allows for a 'domestic partner'. People just assume this is for gay couples, but it is actually for anyone who has a partner that is not married.
Remember that any insurance company will cover anything that the employer is willing to pay for. It's like a menu selection that they are given a price on...and that is an option that his employer may or may not have elected to take, as it is more expensive than spouse-only.
2007-09-14 19:35:29 · answer #1 · answered by Expert8675309 7 · 0⤊ 0⤋
In some states, it's mandatory that group policies allow this kind of provision for domestic partners. In other locations, it will depend on the specific contract the group has negotiated.
Ultimately, your significant other is going to have to ask the HR folks. But even if you're eligible to be added, it can only be done during the annual open enrollment period (which is set by each group) or within 30 days of a "qualifying event" (and you aren't going to have any qualifying events, because the only one that would apply in your situation is marriage.)
2007-09-14 09:47:08 · answer #2 · answered by ISOintelligentlife 4 · 1⤊ 0⤋
Acutally, it depends on what state you are in and what the law is. Here in Maine, we don't recognize same sex marriages, but you can claim "domestic partners" for health insurance. This is to include man/woman relationships as well. Go to Blue Cross (Anthem) and email them as a general question. If the state mandates it, they can't refuse you coverage provided that you have satisfied any requirements. I believe in Maine, you have to have resided together for 6 months prior to acceptance into the program.
2007-09-14 08:48:40 · answer #3 · answered by Pete 2 · 0⤊ 1⤋
The only way this is possible would be if the company had domestic partner benefits. And those companies are few and far between, honestly.
Most likely, you'll have to wait until you get married to be added.
2007-09-14 14:42:17 · answer #4 · answered by sarah314 6 · 0⤊ 0⤋
No...you need to be married before his health insurance will cover you...and when it does his premium will go up.
2007-09-15 04:14:53 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Each plan has it's own rules; contact the provider or read the policy offering to see what is and is not a family member
2007-09-14 08:46:53 · answer #6 · answered by wizjp 7 · 3⤊ 0⤋
He needs to find out if there is a Domestic Partner provision. There may be a 6 month test, or he can sign you on during open enrollment.
2007-09-14 08:46:39 · answer #7 · answered by Anonymous · 1⤊ 1⤋
Nope - you will need to get married before you can get insurance under his employer. However there are many affordable individual plans available - see an insurance broker in your area and get on a major medical plan - and keep an emergency fund of at least $1,000 (it will help for life's other emergencies too!)
2007-09-14 08:49:46 · answer #8 · answered by Professional in FL 4 · 2⤊ 3⤋
Unless your state and his employer allows "domestic partners" to be added, AND he declares you to be his domestic partner, you can't be added.
You could always go get married, though . . .
2007-09-14 13:59:27 · answer #9 · answered by Anonymous 7 · 0⤊ 0⤋
Usually not, unless he has the power of attorney over you.... is actually taking perminent care of you as your guardian because you cannot do so yourself, or you are minor and he is your caretaker. You see, if it is your own choice to live on the same premisis as he does, that isn't cause enough for his company to have to comply. Reason: your choice to live there vs somewhere else so that doesn't obligate his company to do nothing for you.
2007-09-14 08:52:28 · answer #10 · answered by 'Sunnyside Up' 7 · 0⤊ 3⤋