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Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
Wiki User
∙ 19y ago
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance plans "coordinate benefits". For example, if both you and your husband had health insurance through your separate employers, your insurance would be primary and your husband's insurance would be secondary and vice versa for your husband. It can be different for an individual policy/plan. Health insurance is very expensive in this country so most people can't afford to buy individual medical insurance.
Wiki User
∙ 19y ago
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How do you find out if your in someones life insurance?
how do i get a copy of my husbands life insurance from global insurance
Should your wifes income be increaesed since she does not need health insurance coverage because she is covered by husbands insurance?
Sounds reasonable but is not a given or automatic wage adjustment. She can use this fact to negotiate her salry but the employer is not obligated to make any increase.
A form of marriage between one woman and several men simultaneously?
A marriage in which one woman has multiple husbands simultaneously is a form of polygamy called polyandry.
Can your husbands company force you to take insurance coverage from your employer?
They can choose not to provide coverage for a spouse. US law states employers have to provide insurance for employee's children under the age of 26, but does not say anything about spouses, so they can choose to stop covering employee's spouses.
Can car insurance company's get your husbands record without you telling them?
No, but if you don't tell them you are married then you are committing insurance fraud.
What are average life insurance payout amounts?
"The average amount of life insurance coverage on insured husbands is $235,600 "
What if your husbands dental insurance doesn't cover crowns and you can get dental insurance through your company does he have to drop you from his?
Absolutely not. However your husbands policy would become your secondary insurance and you would hold your own primary insurance. Make sure you check with each insurance company to verify that the offer coordination of benefits on what is considered major work!
Is your husbands health insurance provider legally allowed to deny his wife coverage if she works part time?
It depends on how their plan document is worded and the specific reason given for denial of coverage for the wife. If their plan document states that dependents with access to other coverage cannot be enrolled and the wife has access to insurance through her employer, then they can.
Can I add on my name to my husbands auto insurance after getting a drivers license?
Have your husband call the insurance agent to make this change.
Do I need to report an accident to my insurance if I had the accident in my husbands car and his policy covered it?
No.
What is the bnefit of having health insurance coverage with my employer if my husbands insurance covers me?
To see if there is any benefit, you will need to compare the policy. There may be network issue such as having particular doctors. Also, deductible differs. Prescription drugs coverage also are different. The best thing to do is to sit down with your insurance agent and compare it. Even if he/she doesn't benefit from such commission, that should be one of the service they provide to you.
Which insurance is primary for the husband when the husband and wife each have insurance through their jobs and husband is covered by the wifes insurance as well?
The husbands own insurance would be primary, and his wife's would be secondary.
