Can you switch to a spouse’s insurance after losing your own?
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Asked July 6, 2010
Most insurance companies will allow the addition of a spouse or child to their health insurance policy. You will be asked a series of questions to determine your insurability and any pre-existing conditions you may have, but getting added to the policy should not be a problem as long as you meet the health qualifications. Keep in mind, though, that your coverage may be more expensive than your spouse's, usually in the event of employer sponsored health insurance where the employer is paying a part of the employed person's premiums.
It is not always cost efficient to get added to your spouse's coverage, but it can help you keep continuous coverage during a transition between jobs or because of some other loss of your own coverage. If it turns out that your spouse's coverage is not suitable, you may also look into temporary health plans that are limited in most cases to primary care and available in terms lasting from 1 to 6 months.
Before changing over to your spouse's coverage, you may want to look into whether your insurance can be carried over with COBRA, which would allow you to keep your existing insurance for up to 3 years, but requires you to pay the full premiums, including the portion previously paid by your employer. Employers with more than 20 employees are required to offer COBRA insurance protection under federal law, but there are prerequisites which you will have to meet.
Answered July 6, 2010 by Anonymous