Insurance

Nikki1007 · October 2008

So we got DHs open enrollment stuff yesterday. Right now I have insurance through my work and its free. With the state of the economy and I am in Real Estate, I am not sure how much longer the free insurance will last, hell I am not sure how much longer I will have a job because there is no where near enough money in the account to make payroll tomorrow. It will cost less than $100 a month to add me onto DHs and his also covers acpuncture and I swear i read it covers 80% of IF stuff, not including IUI or IVF. I am thinking I should go ahead and get on his now so I am not stressing about it later.

idkmybffk8 · October 2008

I'm in the military, so my insurance is "free", and before I joined I never had to worry about insurance, but that sounds like a pretty good deal to me. I could be wrong though.

Plus not having that stress later seems like it might make it worth it too.

staycee · October 2008

If it would put you more at ease, go for it now.

I think if you lose your job, that may qualify you to be added to your DH's policy at any time, other than open enrollment - but check that out. It's just what I have heard/read on BOTB in the past.

Matsifloxacin · October 2008

I would add myself to DH's plan.

EastCoastGirl* · October 2008

I have read in a few places that it's always a good idea to have the best / most healthcare insurance that you can comfortable afford. Like you, insurance through my work is free, but we pay a minimal charge each month to also have me covered under DH's plan. I know that were I to lose my job or have some other qualifying event I could always be added to his plan in the future if need be, but having dual coverage enables me to some additional perks (more IF coverage, for instance) than just being covered on my plan alone. To me, it's worth it for that alone.

smilelari · October 2008

EastCoastGirl*:
I have read in a few places that it's always a good idea to have the best / most healthcare insurance that you can comfortable afford.

I'm going to have to disagree with that. It just depends on how good you are at budgeting money. Sure your copays might be lower but you will almost always end up spending more in the end with the more expensive plan just because of the higher premiums. I run the numbers on the plans available to us every year and I always pick the cheapest because I would have to have 100s of thousands of dollars in medical expenses before I break even on any other plan.

Anyhoooo... I would check and see if you losing your job would qualify you to do an add to DH's insurance outside of open enrollment. If not, get added now.

murphyec · October 2008

loss of your job is always a qualifying status change. i would only go under dh's insurance now if it would make you significantly less stressed or has better coverage. otherwise imo it would be a waste.

Nikki1007 · October 2008

I really want it for the acu coverage. Mine does not have that. I figure it would make up for the cost difference after just 1-2 appts. Also it says it has IF coverage, which I dont have. I dont know exactly what it covers though, i still need to call and find out. I do know that it does not cover IUI or IVF and I am thinking IUI will be out next step.

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