Just married, health insurance ?

[airplane]

Hi,
I am so confused. I got married in early Nov. I want to be added onto my husbands insurance and drop mine. My company is giving me a hard time about dropping it b/c I am out of the 30 day window. I thought I had 60 days b/c that's what my husband's HR dept told him. Well I just found out that my company has a 30 day period or else you have to wait until open enrollment (which is Nov next year). After many conversations w/ my HR dept, they told me I can drop my insurance if I give them a letter from my husbands HR dept stating I will be covered under his insurance. My husbands HR dept told him to write the letter himself and they will notraize it. Does anyone know what my husband is supposed to write in this letter?

Thanks for any help. The whole process of changing my name has been such a pain...

 

[mtemm]

I would assume something like, as of x date, so and so will be covered under so-and-so's insurance plan (make sure to have the date right!) so as per your conversation with x person, you are terminating your coverage as of x date.

 

[Honu]

Your employer needs "evidence of coverage." A notarized letter from your husband isn't probably going to cut it. Check with your employer. When your coverage become effective under your husband's plan you should receive something from the insurance company with the card, etc. That should suffice. You may need to pay for double coverage for that month though. 30 days is the norm for this deadline, so your employer isn't being mean. It's probably written into their policy.

 

[mickeyboat]

We have tried to do this with employees in the past in a similar situation. The new plan needed to have the actual "termination report" from the old plan before it would start the new coverage. A letter from the old plan stating coverage would end on such and such a date was not enough.

Good luck.

Denae