The primary concern of engaged couples is to plan their wedding, but beyond that a less exciting aspect of sharing one's life together but just as important is how they will secure the care of their health in future years.  Engaged couples should be investigating whether their current insurance policy protects not only themselves, but their future spouse.  If both have health insurance, it may make sense to consolidate plans because it could be less expensive, but deciding which one takes research.

Do you automatically accept the one that costs less, but may not be as comprehensive in its benefits package, than one that costs more?  If either is currently not covered by health insurance, will the plan automatically accept the new spouse as a covered recipient?  What are the limitations and what is the time frame that the plan must be notified to add a new spouse?  Some plans have limitations on these.

To determine which plan is more suitable you need to compare and review the monthly premium, deductibles/copayments, the type of plan it is (PPO or HMO or POS) and the type of benefits the plan covers.  If both have a health plan, and each add their spouse to their plan, then the secondary plan may actually cover any deductibles and copays required by the primary plan.  This is the best coverage, but it is more expensive, because it requires both to pay monthly premiums on their plans.

Be prepared by researching early when a new spouse can be covered, when they can be eligible, will the premium costs change, what is covered by the plan and if there are any limitations.  If you would like to search for a health plan or would like assistance from an independent health insurance agent, please click here for a free quote. 

Health Symphony provides information as a general resource and does not guarantee any results, expressed or implied, obtained from its use.

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