The Commerce Journal,Business and Local Businesses
*The Commerce Journal>>>Insurance

Im27and I have2heart conditions.I'm planning to get married&I dont know if his health insurance will cover me


I can't work cause of the heart problems

if his insurance is group insurance there should be no questions about pre-existing conditions for him or dependents.

Without giving any information about your situation, he can go to his Human Resources person to learn how the insurance company treats new spouses. (If there's no HR department, he can call the insurance company directly.

In NOOOOO case should he get into the specifics of your situation. Just ask for a written copy of the insurance company's policies for adding a new spouse.

You'll want to look at coverage, but you'll also want to look at costs. It's not obvious that the non-employed spouse will get coverage at the same cost as the employed spouse. It may be, but take nothing for granted.

Oh, yeah, did I say, "Be discreet?"

If it's a group plan through an employer, you should have no problem getting coverage. However, it's likely that a pre-existing condition exclusion will apply, basically limiting coverage for your heart conditions for a period of ime. You can get around this by giving them a Certificate of Creditable Coverage to prove that you were covered for these conditions for at least 18 months prior to enrolling inhis coverage. (Even if it wasn't a full 18 months, you should still be able to get some credit for your previous coverage.

Check with your employer for the details.

If it's group health insurance, and you've got current coverage now, yes they'll cover you without excluding the heart issues.

If you do NOT have coverage now, and have a lapse over 63 days, they won't cover the heart issues for 18 months.

Tags
  Renting & Real Estate   Personal Finance   Investing   Insurance   Credit   Corporations   Other - Careers & Employment
Related information
  • PLEASE HELP!! I had my wallet stolen and I was wondering if anything can be done with an insurance card?

    call every single credit card company your with and tell them. the number will be on the statements. tell them what happened. and call your insurance company and let them know. the dmv and ss ough...

  • Is there travel insurance that can cover frequent visits to the US from Canada?

    Most travel insurance companies provide an annual policy. This policy lasts a year and covers you for an unlimited number of trips as long as the trips last no more than 'x' number of day...

  • Can you add dependents to an existing Cobra plan?

    If you have custody, they cannot be added just because they were covered on another plan by your spouse. However, if you are gaining custody and responsibility, they can be added as a "change ...

  • I'm 23 and in college can I get on my mom's health insurance through her job with a pre existing condition

    It depends on the policy....most policies allow dependents up until the age of 23, if they are full-time in college. Once the dependent is 23, coverage is discontinued. Ask your mother to check...

  • Can anyone offer a rough estimate of childcare liability insurance?

    Most carriers won't give you a "rider" (endorsement) on your homeowners insurance to cover this. Some will want to flat out cancel you. If you're not looking for abuse/moles...

  • After a cancer diagnosis and $20000 work of bills, what does someone with no health insurance do?

    First of all - I would want to know why the coverage was canceled going back to before the diagnosis. There has to be a reason for doing so. If premiums were paid on the policy, then the only oth...

  • Which group of citizens favor medical insurance should be availible by most employers?

    Those who don't have it yet. Those who have family and/or friends who don't have it yet. Those who have it but think it should be a basic right for others.

    ...
  • How can i find a good health insurance company?

    I can certainly understand your frustration. Most health insurance plans are very expensive. However, one way to find a good health insurance company at the most affordable premiums to you is to...

  •  

    Commerce Categories--Copyright/IP Policy--Contact Webmaster