Engaged Couples and Health Insurance

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Through most health insurance companies, you can only add a dependent when there is a significant family change, such as a marriage, birth, or adoption. Adding a dependent to your policy must occur within thirty days of the event of change and it is as simple as filling out an enrollment form. If you do not add your spouse within the designated time period, you will not be able to add him or her to your policy until the next open enrollment period.

If you have both have individual policies, decide who has the better coverage. You also need to discuss whether or not you want to keep both policies. If you choose to keep both policies, decide who will carry the primary insurance and who will carry the secondary to pick up costs that the primary does not. Be sure to discuss your options with the insurance agent or through the coordinator at your employment office. Some exceptions do apply. For example, if you work for the state and are covered under state insurance, if your spouse is also a state employee or will become employed by the state, he or she might not be an eligible dependent under your policy.

For the most part, taking care of your health insurance as newlyweds should be a relatively easy transaction. Take care to send in all the appropriate information during the designated time slot and it should be taken care of. As with all other changes taking place during the marriage of two people, such as name changes, social security cards, drivers’ licenses, change-of-address, etc., simply add taking care of your health insurance to your marital to-do list.

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Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.