Becoming a SAHM when your family insurance is through your work

Re: Becoming a SAHM when your family insurance is through your work

• jensriot member

  January 2014

  Many employer provided plans will end on the last day of the month in which your employment ends. So you quit on th 10th, but your insurance ends on the last day of the month. Some, but I think it is rare, terminate benefits the last day you are employed. DH's last company did this. It should be spelled out in your employee handbook.

  My employer switched insurance 12 days before DD2 was born. It was horrible to deal with, especially because we didn't have new cards yet. What a mess. I didn't resign until midway through my leave and my insurance covered me until the end of that month.

  DH and kids have always been covered by his plans, so that's all I got. My biggest tip is to get an expandable folder and start keeping all the paperwork and receipts for reference. Try to stay organized and keep a calendar of your appointments and medical events. It could be really handy when questions come up.

  

  C  7.16.2008 | L  11.12.2010 | A  3.18.2013

   

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• RedInLove member

  January 2014

  Can you get DH and your kids on his insurance, keep yours until you're no longer working, and then you can join his?

  
  
  
  
  
  
  It’s not that I don’t like you, it’s that I don’t know you. Stranger Danger.
  

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• alli2672 member

  January 2014

  Can you just file for a "life event" (quitting job, baby being born), and get onto DH's insurance starting at the date of the "event?" 
  

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• LizK23 member

  January 2014

  Thank you so much for the advice! I am going to contact someone at my insurance company and see what information they can provide without telling human resources yet. I didn't even think about there being a grace period where the new insurance wouldn't cover pregnancy related costs for a set amount of time but I will definitely check that out beforehand. It would really suck to get stuck with any of the birth related hospital bills. I am only 9 weeks pregnant now so i'm glad we are looking into this now and have plenty of time to work out any issues. Thanks again for the advice, I really appreciate it!

  
  

  
  

  

  
  

  

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• bumpuser8448316 member

  January 2014

  Can't you just pay cobra and are sure your bills are covered that way?

  
  

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• Linnea503 member

  January 2014

  I'd elect cobra for a month or two to cover all the L&D costs and transition to DH's.

  

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• tbmadeamistake member

  January 2014

  I'm in the same boat you are, and I talked to HR about it.  They have to keep anything I ask confidential.  She was really helpful, admitted that she wasn't sure and would look into it, but cautioned me to take care of myself first.  I want to do it ethically and not burn any bridges, and if I don't tell them before I leave I'm sort of screwing them.  However, if I give notice too soon, I run the risk of not being insured for the birth of a baby.  It's a hard line to walk.  I'll let you know what she comes back with. 
  

  Married DH 7/30/11
  

  CSC arrived 5/7/12 
  

  CHC arrived 6/2/14
  

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• pitterpatter129 member

  January 2014

  It varies by company, so definitely ask! You should be able to ask about insurance without getting hassled. Just say you and your DH are discussing options for your future and it came up. I was a teacher, so mine was through the state. They allowed me to pay my premiums up until the month I quit and I didn't have to pay back anything. They just terminated it to the date I quit. Technically, I'm just on a very long term leave/sabbatical though. I was able to pick up my DH's insurance on a "life event" (quitting my job.) The kids would also fall under that since they were on my insurance through my job.

  

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