My wife and I both work for employers that offer medical insurance. The insurance that my employer offers is considerably better than the one she has available so we chose to have her insured under my plan. On the insurance selection form there is a question asking if my wife has medical insurance available to her from her employer. I answered "yes" and am now penalized $50/month as a "working spouse" penalty in addition to the regular deduction from my paycheck for the insurance. Are they allowed to do this? I understand that they are encouraging people to get health insurance elsewhere, but it doesn't seem right. Why should my wife and I be penalized when taking an offered benefit just because she has a job?
How much does this vary by state?
In Washington whichever spouse has their birthday first in the calendar year is the "primary" insurance.
stratton wrote:In Washington whichever spouse has their birthday first in the calendar year is the "primary" insurance.
Really? That sucks. The spouse born in January could have the worst insurance plan known to man, and the one born in December could have the best, yet they are forced to use the worst?
OH!dm200 wrote:Not at all. I believe this is "coordination of benefits" so that one company (with the better insurance) doesn't get stuck paying all the bills. If someone is covered under two policies, they can still make a claim on the secondary policy for what was not paid on the first.
dm200 wrote:I read the OP is that he chose to decline HIS comoany's insurance because HERS was better.
Perhaps the OP can clarify.
My biggest problem is that if she didn't work or had a job that didn't offer health insurance, I wouldn't have to pay the extra $50 for her coverage. What difference should that make? It doesn't make it any more expensive on their part.
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