Coming Soon
Subscription Marketplace - Buy and sell subscription products and services
0 like 0 dislike
618 views
in Articles by
Health insurance providers are not created equal. Before a couple is married, the option of sharing coverage is extremely unusual unless one of your insurers offers domestic partner insurance. As you become engaged, if you both have separate insurance it is important to talk about the both of you switching to the better plan once you are married. There are a few factors consider, which include deductibles, co-payments, and the benefits of each separate plan. Marriage is a big step, and it can be done with ease if the two of you settle important decisions such as your health insurance plan before you take the big leap.

Your deductible is the amount you must pay each year to start your policy. Once this payment is made you will be responsible for whatever amount of co-payment your insurance company requires for you to pay for the health expenses that are covered in your particular policy. The amount of co-payments that you will be responsible for is established at the time you agree to your health insurance policy. It is going to be a certain percentage of health expenses; for instance, you pay 10% while your insurer will be paying the other 90%. You and your fiancé should compare both of your plans and figure out which deductible and co-payment plan seems most appropriate for the two of you.

Married couples are usually eligible for certain benefits that unmarried couples are not. Being insured separately by the health care provider sponsored by your employers may no longer be the most beneficial option for you. If you or your fiancé has insurance, and the other does not, once the two of you are married they can be added to the other partner's plan. Cost of adding an additional person is definitely something that should be examined. You should not be required to pay more for adding a spouse or even a child in the future because most plans are offered to immediate family at no extra cost. The best way to compare policies is to estimate a yearly amount of normal health expenses, emergencies, co-payments, and deductibles. Whichever plan has the lowest cost to you will almost always be the best choice.

In addition to sharing health insurance with your new spouse, you may also want to consider switching the rest of your insurance plans, such as the policies you have for your separate automobiles. This is because most companies will give you a discount on having more than one vehicle insured. You may also be interested in finding a company that can insure you home, automobile, and health in one place. If you carry more than one policy with a company, they will also usually give you some sort of discount on them. It is important to sit down and discuss insurance with your fiancé because the two of you could be saving money and stress by figuring out what decision is best before the time comes.

Please log in or register to reply to this topic.

Related topics

0 like 0 dislike
0 replies 544 views
posted in Articles by AfternoonFay
0 like 0 dislike
0 replies 500 views
posted in Articles by Slayerk
0 like 0 dislike
0 replies 542 views
posted in Articles by DreamBaby
0 like 0 dislike
0 replies 927 views
posted in Articles by FoolishJaguar
0 like 0 dislike
0 replies 778 views
0 like 0 dislike
0 replies 589 views
posted in Articles by PerfumedNecromancer
0 like 0 dislike
0 replies 863 views
posted in Articles by MammothMoth
0 like 0 dislike
0 replies 559 views
0 like 0 dislike
0 replies 941 views
posted in Articles by Richard S.
0 like 0 dislike
0 replies 612 views
posted in Articles by Butcherry
0 like 0 dislike
0 replies 570 views
posted in Articles by Cybora
0 like 0 dislike
0 replies 517 views
posted in Articles by Knightmare
0 like 0 dislike
0 replies 597 views
0 like 0 dislike
0 replies 552 views
posted in Articles by TwinNut
0 like 1 dislike
0 replies 1,571 views
posted in Articles by Explorer
0 like 0 dislike
0 replies 505 views
posted in Articles by Hawkward
0 like 0 dislike
0 replies 662 views
posted in Articles by Titank
0 like 0 dislike
0 replies 626 views
0 like 0 dislike
0 replies 606 views
0 like 0 dislike
0 replies 579 views
posted in Articles by Oystrich
0 like 0 dislike
0 replies 529 views
posted in Articles by BouncyOracle
0 like 0 dislike
0 replies 527 views
posted in Articles by HarmlessRose
0 like 0 dislike
0 replies 476 views
posted in Articles by Tomatoad
0 like 0 dislike
0 replies 509 views
posted in Articles by GraveGrass
0 like 0 dislike
0 replies 464 views
posted in Articles by Falconjurer
0 like 0 dislike
0 replies 637 views
posted in Articles by Celestiger
0 like 0 dislike
0 replies 600 views
posted in Articles by TrustyKitty
0 like 0 dislike
0 replies 702 views
posted in Articles by Prepatriarch
0 like 0 dislike
0 replies 626 views
posted in Articles by HairyFoal
0 like 0 dislike
0 replies 534 views
posted in Articles by TrainedGuy
0 like 0 dislike
0 replies 548 views
posted in Articles by Conjursa
0 like 0 dislike
0 replies 507 views
posted in Articles by KeyboardPie
0 like 0 dislike
0 replies 472 views
posted in Articles by MorningFortune
0 like 0 dislike
0 replies 520 views
posted in Articles by CharmingChamp
0 like 0 dislike
0 replies 510 views
posted in Articles by Robottom
0 like 0 dislike
0 replies 485 views
posted in Articles by Catnip
0 like 0 dislike
0 replies 488 views
posted in Articles by DopeyPotato
0 like 0 dislike
0 replies 545 views
posted in Articles by HistoryGuy

55,458 topics

594 replies

3 comments

1,623,835 users

Connect with us:
...