unsure how this works...maybe someone knows.

Dh and I have seperate health ins. I pay 45 biweekly he pays 29 bi weekly. I am due Dec 1 st so it pays for us to go on a family plan with his company for 95 biweekly for all 3 of us. At this time him and I both have empire. Will this be a problem for me to jump on his plan with the baby? Otherwise I would have to continue paying my 45 and him and the baby would be 95 on his plan.

Re: unsure how this works...maybe someone knows.

I'm not in HR, but I would think it would be fine to jump on his. I think that you are paying more because your company supplements less and doesn't really have anything to do with empire, per se.....

Re: unsure how this works...maybe someone knows.

I would Have your Dh call the Insurance plan and explain the situation and see if they will switch you to a"familyplan" and Hopefully they will! Good luck to you.

Re: unsure how this works...maybe someone knows.

I would review both of your plans-- just because it's the same provider does not mean it's the same policy-- it's whatever each of your company's negotiated.

Before you switch I would make sure you don't run into any problems with a different health insurance now that you are prego.

I would also overlap coverage for a month to ensure there are no problems when you actually switch.

edited for typos

Message edited 9/30/2006 10:30:39 AM.

Re: unsure how this works...maybe someone knows.

Check to see when open enrollment is on his company plan. At my work an employee can add a baby within 30 days of birth but a spouse can only be added at open enrollment or if they just got married or just lost their prior coverage.

Message edited 9/30/2006 10:33:50 AM.

Re: unsure how this works...maybe someone knows.

Re: unsure how this works...maybe someone knows.

Re: unsure how this works...maybe someone knows.

I would do it now-- when are you due??

I just went on DH's plan-- his company has contiuous open enrollment-- you should check when you can get on your husband's plan and do it ASAP so that when the baby comes-- you can be on his plan. Some companies only have open enrollment twice a year.

Re: unsure how this works...maybe someone knows.

Re: unsure how this works...maybe someone knows.

you can't technically be covered by two plans at once. Talk to your HR about how to handle. You;ll need a letter of prior coverage to provide to your husband's company in order to get enrolled-- so you will need some help with contacting the right people. Try to have your HR dept call and get you the appropriate paperwork-- since in my experience, health insurance customer service is not all that helpful.

Re: unsure how this works...maybe someone knows.

Thanks everyone for your help!