I assume you have your insurance through your company. In this state there is a one month open enrollment period each year. At that point you are allowed to add a dependent. There will be a few months delay. If your spouse is a wife, it will not cover a current pregnancy. There will be an extra charge for the insurance.
So, when they say, "Open Enrollment." Do not ignore it this time.
how do you add spouse to your blue cross blue shield health insurance
You can add your baby. But unless there was a life event with your spouse (just married, just lost job or insurance), you probably cannot add him. Check with your insurance carrier to be sure.
If you're needing to add your spouse to your group plan at work, you may be required to wait until open enrollment to do so. Check with your benefits or human resources office to find out. They should be able to tell you how much it will cost for your spouse to be added. If you're needing to add your spouse to an individual plan, simply contact the company to have your spouse added on. They will give you a quote on how much it will cost to add your spouse to your plan.
Yes they can and they may have to in order for the insurer to allow your spouse to be added. Spouses can be added to a group plan during open or annual enrollment, or when certain changes happen such as the spouse loses a job. You can't simply add a spouse at a whim. By paying the four months premiums, you are effectively adding your spouse when you would have been allowed to. The insurer is trying to protect itself against people joining the plan when they have a medical expense to pay, and then dropping out when they recover.
You probably should tell them. Most people change their beneficiary when they marry. Or add their spouse to a health policy.
Humana is a medical insurance company. Supplemental insurance refers to add ons to an existing policy. Supplemental insurance can cover deductibles, co-pays and other expenses not covered by a policy.
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This is an awful question to have to deal with. I can only imagine the total crappiness of a company trying to do this, but it's obvious why...with health costs spiralling out of control for some reason, there probably isn't anything more expensive than a baby. Well, let's look at your alternatives. If you are both getting health insurance and have no other children it might be that only one of you took the health insurance option and added the other spouse and went for the family plan. There is no point two people both paying a healthcare premium when the actual benefits are the same. I don't really think the "earliest birthday" thing is really a factor in law. That's just the way for a company to tell you they don't want to cover you and they found out your spouse in younger than you (how would they know that???). If Crappy Co. offers health insurance and they offer a family plan, then I don't see any reason that legally you cannot add the baby as a dependent and pay the increased family premium (self, spouse and 1 child). But if your spouse works for Better Co., it might just be a good idea to add the baby to the other insurance coverage. If your spouse decided not to take health coverage when it was offered (because you had family coverage), the downside of this idea is that he might have to wait until what they call open season before he can add insurance. The bottom line is that one of you needs to get family coverage, not both of you, and you need to get this baby covered. Somebody must have been paying the bills before the baby was born...which company's insurance was picking that up? Phil
You can add your spouse to the mortgage by refinancing in both of your names. Your spouse does have to be credit-worthy. Check with your original lender to see if it can be done simply without a full fee for refinancing.
you just need to add your spouse to the deed. your banker can help you with that
Your spouse can get a separate policy (usually cheaper) or you can contact your insurance company to get the right paperwork for adding your spouse. Adding your spouse as a beneficiary, your agent can help.
You will have to ask your banker. You can't always. The spouse's credit may not be good enough.