Marriage Shouldn't Determine Your Health Insurance Policy
It's common for people who share a life together through
marriage to also share a health insurance policy. Marriage
brings two people, and everything they own, together;
sometimes, "everything they own" includes their health
insurance policies. While most married couples choose to use
one health insurance policy to cover both because it seems more
affordable, there are actually benefits to having two separate
health insurance policies.
It's true that using one health insurance policy for both
people after marriage can sometimes save money; however, what
happens if both spouses already have health insurance policies
with which they are satisfied?
If this is the case, it's time to sit down and list the pros
and cons of both keeping separate health insurance policies,
and deciding on one health insurance policy to stick with.
If you and your spouse both have health insurance policies,
think about how pleased each of you is with your separate
health insurance policies. If you're both extremely satisfied
with your own health insurance policies, it may not pay to
eliminate one and keep the other. You may have a health
insurance policy that allows you to see certain specialists
your health requires you to see at lower prices while your
spouse, who doesn't need to see these specialists, has a plan
that doesn't cover these specialists.
On the other hand, your spouse may have a health insurance
policy that offers benefits your current health insurance
policy doesn't offer, or vice versa. If your spouse's health
insurance policy is cheaper than your health insurance policy,
and offers the benefits you want and need but don't currently
have, perhaps you should consider dropping your health
insurance policy and joining your spouse's health insurance
policy.
Ultimately, as long as the coverage needed is offered, and the
prices paid are affordable, whether you keep separate health
insurance policies or decide to use only one after marriage is
entirely up to you.
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posted by Dennis Cheesman @ 6:51 AM
1 comments
1 Comments:
Ask any lawyer or insurance professional the question "Why can’t I insure my lover?” There are laws that have been in place for hundreds of years that define who has an insurable interest onto another. The laws are very specific and clear on this and the average person has a difficult time understanding this as so does the gay community. What is at issue is that of same sex unions. I believe that the entire gay movement has missed the boat on the same sex marriage controversy.
There argument is that they don’t have the same rights as a married couple. This is true. Man defines the laws of the state and god defines moral law.
The two are similar but at times are very opposing. If the gays want the same rights as married couples then ask for the laws to include them as many states want to do. Call it a civil union, but let minority reinterpret god’s laws. The entire world recognizes the definition of marriage as a union of a man and a women so that the estate and any children from this marriage or no marriage have unyielding rights as a product of this union.
In regards to the author notions that life is unfair to those who do not want to make a life long commitment yet have the same rights as married person, the answer is visit a priest and see if they can help you sort things out.
Imagine if I as an insurance agent took out life insurance polices on every person over age 70 and claimed them as my dependent, spouse, lover or what ever.
I would be the wealthiest man in the world.
When you ask these types of questions, try to understand why they are not laws, it can make your life a lot fuller.
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