Hellobee Boards Topic: Does your health insurance cover a spouse who would otherwise have their own coverage?

Hellobee Boards Topic: Does your health insurance cover a spouse who would otherwise have their own coverage? https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 18 Apr 2026 06:35:46 +0000 rachiecakes on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage/page/2#post-1935397 Fri, 07 Nov 2014 19:05:52 +0000 rachiecakes 1935397@https://boards.hellobee.com/ Same as yours. But DH isn't offered insurance elsewhere. dc yoga bee on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935333 Fri, 07 Nov 2014 17:41:02 +0000 dc yoga bee 1935333@https://boards.hellobee.com/ Nope. I have federal insurance and just bought the family plan. He declined his job's insurance, and just showed his job a copy of his new insurance card through mine as proof of insurance. No surcharge though. That's odd! dolphin on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935328 Fri, 07 Nov 2014 17:37:01 +0000 dolphin 1935328@https://boards.hellobee.com/ Yes, but it is VERY expensive to add a spouse so DH just has his own Mama Bird on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935283 Fri, 07 Nov 2014 16:52:14 +0000 Mama Bird 1935283@https://boards.hellobee.com/ We're both on each other's insurance. My husband's situation at work was very precarious for a long time, so it was an extra safety net. raspberries on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935270 Fri, 07 Nov 2014 16:47:06 +0000 raspberries 1935270@https://boards.hellobee.com/ Oh man, that's crazy! I second PP who said to try to get on your husband's plan instead. Sunshine1810 on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935249 Fri, 07 Nov 2014 16:33:54 +0000 Sunshine1810 1935249@https://boards.hellobee.com/ My husband's insurance covers me, and I just turn down the coverage from my employer. 2PeasinaPod on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935239 Fri, 07 Nov 2014 16:29:06 +0000 2PeasinaPod 1935239@https://boards.hellobee.com/ Yes, both of our companies do, but the premiums are significantly higher for each of us if we cover each other. It ends up being cheaper to be on separate plans. mrs.shinerbock on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935218 Fri, 07 Nov 2014 16:22:32 +0000 mrs.shinerbock 1935218@https://boards.hellobee.com/ My current company does not have this restriction, but my previous company did. You had to sign an affidavit that your spouse was not eligible for any other insurance plan if you wanted them covered. It has always been cheaper for us to be on our own plans anyway, so it was not a big deal for us. wheres_c on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935212 Fri, 07 Nov 2014 16:19:01 +0000 wheres_c 1935212@https://boards.hellobee.com/ That's so weird!!! My husband and I are on my insurance. We decline the insurance through his company. Corduroy on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935210 Fri, 07 Nov 2014 16:17:05 +0000 Corduroy 1935210@https://boards.hellobee.com/ I hadn't heard of this. I'm LO and I are on my husband's insurance even though we could get insurance through my employer. I assume we don't pay an extra fee. Adira on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935199 Fri, 07 Nov 2014 16:13:22 +0000 Adira 1935199@https://boards.hellobee.com/ Wow, I didn't know this was a thing. I've declined my work's insurance and am on my husband's instead. But he could have just as easily been on my insurance. We opted for his because it was better for our family. So glad they don't have the stipulation about not covering a spouse who can get their own! MamaG on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935185 Fri, 07 Nov 2014 16:07:26 +0000 MamaG 1935185@https://boards.hellobee.com/ Both of our companies disallow insurable spouses. My DH's plan used to charge a surcharge until 2014, now I'm simply not allowed due to having other coverage available. My employer has been doing this for at least 5 years. Having two plans is frustrating, but we don't have a choice. mrs. tictactoe on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935120 Fri, 07 Nov 2014 15:48:08 +0000 mrs. tictactoe 1935120@https://boards.hellobee.com/ Yes, my insurance covers him and Liam and he declines coverage through his job. MrsF on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935095 Fri, 07 Nov 2014 15:37:50 +0000 MrsF 1935095@https://boards.hellobee.com/ I don't think I've ever heard of this! My DH is on my plan with no surcharge or increase in premiums. PurplePumps on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935088 Fri, 07 Nov 2014 15:35:09 +0000 PurplePumps 1935088@https://boards.hellobee.com/ Wow, I had no idea they could even do something like that! I always heard that people had the option of going with whichever was better. We happen to work at the same company, but there's no penalty or encouragement to be on individual or spouse plans except that the spouse plan is actually more expensive than 2 individuals. But if one of use did not work here and the one that did didn't take a plan, we would get back $1000 for not having a plan with them. Ash on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935060 Fri, 07 Nov 2014 15:20:46 +0000 Ash 1935060@https://boards.hellobee.com/ My employer does this but dh's doesn't (we use his). Actually, we would have a fee because his birthday is before mine, I believe. Mrs.KMM on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935040 Fri, 07 Nov 2014 15:11:55 +0000 Mrs.KMM 1935040@https://boards.hellobee.com/ Nope - We've always been able to be on each other's work plans for no additional surcharge (obviously there is a premium increase though). Currently, we decline my company's coverage and we are both covered by his company. plantains on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935038 Fri, 07 Nov 2014 15:11:20 +0000 plantains 1935038@https://boards.hellobee.com/ My husband is on a family plan through my employer but is also on a plan at work because neither of us pay any premiums. I have never heard of a surcharge!!! avivoca on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935030 Fri, 07 Nov 2014 15:08:00 +0000 avivoca 1935030@https://boards.hellobee.com/ I declined what my company offered and am on my husband's family plan. I've never heard of that before! mauxie on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935015 Fri, 07 Nov 2014 15:02:16 +0000 mauxie 1935015@https://boards.hellobee.com/ My family's insurance is all through my employer and my husband declined what his company offers.. I've never heard of this! Hmm... looch on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935010 Fri, 07 Nov 2014 15:01:17 +0000 looch 1935010@https://boards.hellobee.com/ Yes, my husband's employer has instituted this surcharge this year. LC on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1935007 Fri, 07 Nov 2014 14:59:58 +0000 LC 1935007@https://boards.hellobee.com/ My husbands company used to do this, but it was only $50 a month surcharge to have me on his plan. His plan was substantially less expensive than me having health ins through my company, so we paid it. His company merged with another and now they don't charge for spouse that declines other insurance. mrsjyw on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934980 Fri, 07 Nov 2014 14:51:03 +0000 mrsjyw 1934980@https://boards.hellobee.com/ Yes but we have to pay 600& extra for the same plan as years prior because I'm choosing not to take my own plan.... Irks me to no end MrsKoala on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934973 Fri, 07 Nov 2014 14:49:29 +0000 MrsKoala 1934973@https://boards.hellobee.com/ I have never heard of this and my spouse works in insurance. ShootingStar on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934970 Fri, 07 Nov 2014 14:48:17 +0000 ShootingStar 1934970@https://boards.hellobee.com/ No, I've never heard of insurance doing this. Would it be any cheaper to put the family on your husband's plan? shinymama on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934964 Fri, 07 Nov 2014 14:45:55 +0000 shinymama 1934964@https://boards.hellobee.com/ Yes, with no surcharge. DH declines insurance through his employeer because he's free on my plan. I cover both of our boys, and the "2+" rate is the same whether you have 2 additional dependents or 20, so we added him when LO2 arrived. Smurfette on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934962 Fri, 07 Nov 2014 14:45:12 +0000 Smurfette 1934962@https://boards.hellobee.com/ DH can't be on my insurance since his work offers him insurance. Or he could put the fee is SO high, like $200 a month. I have LO on insurance with me. lawbee11 on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934942 Fri, 07 Nov 2014 14:40:33 +0000 lawbee11 1934942@https://boards.hellobee.com/ Yes. I'm not sure if there's a fee, though, as it's always been cheaper for us to be on separate plans. blackbird on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934940 Fri, 07 Nov 2014 14:39:53 +0000 blackbird 1934940@https://boards.hellobee.com/ No mrs scrapbook on "Does your health insurance cover a spouse who would otherwise have their own coverage?" https://boards.hellobee.com/topic/does-your-health-insurance-cover-a-spouse-who-would-otherwise-have-their-own-coverage#post-1934939 Fri, 07 Nov 2014 14:39:45 +0000 mrs scrapbook 1934939@https://boards.hellobee.com/ @sunny: We pay a higher premium for the employee + spouse. The fee for a spouse who could be covered by their work is an additional cost, beyond the increased premium.