Health Insurance Options for your Significant Other

 

In many places today, health insurance is not just limited to
married persons and one’s dependants anymore. An individual with a
domestic partner can be covered, as well. This includes persons of
the opposite sex as well in many states persons of the same sex.
This allows those people who have chose to not be married to
provide health care benefits to their partners. This can be very
hard in some states that refuse to recognize any other type of
relationship other than marriage between a man and a woman. But now
laws are being passed that will either allow same sex couples to
get legally married or allow them to be recognized and get the same
benefits under the term domestic partner. Many people choose to not
get legally married, but should still have the right to have the
same type of benefits as married couples. There are some cities and
states that have laws that ensure that this coverage is available
to the people in those communities. You will want to contact your
local government and ask if any laws in this regard apply to you
and your living arrangement. Make sure to find out if the policies
are for just same sex partners or also include partners of the
opposite sex.

Obtaining one of these insurance policies might prove to be a
daunting task. Most work related insurance policies don’t offer
this extension of benefits to their employees. So far it is not
required for employers to do this either. So you will need to look
for private companies with in your state and see if and which ones
offer this benefit and it is at a decent cost. Some states actually
do have laws in place to ensure domestic partners are covered and
employers must offer this to all employees as long as they have
over 50 people working for them. Smaller companies with less than
50 employees sometimes choose to not even carry insurance as a
benefit. They don’t get the reduced rates because their employee
numbers are too low. The best option is private companies for most
people in this situation. Remember insurance is a business and
broadening its market base bring the company more money, so more
than likely they will find something for you.

If you do find a policy, make sure you look it over carefully. Know
what the policy covers and doesn’t before buying it. Make sure that
if you need any specific criteria met prior to purchase that you
have done so and have proof. Some policies require that you live
together and have been together for a minimum time period. They
also might want to know if you are fully supporting this person
and/or if they qualify for health benefits through somewhere else.
Sometime a joint bank account is also required to prove that you
are mutually sharing living expenses and have access to each
other’s money. You want to make sure that the policy works for you
and your partner and will cover all the needs you both have. Make
sure that the plan is affordable as well. If the price is
outrageous and the plan stinks, then it would be better to just
purchase a single plan that just covers the other person.

This is not an easy task for most people. Even states that require
employers and private insurance companies to provide domestic
partner
insurance still try to find loopholes to not have to. What
people are failing to see is that morality and ethics are not
supposed to keep a person from obtaining medical coverage for
themselves and their partner, regardless of whether or not they are
married or the same sex. Last time I checked that was
discrimination. What is going to happen as society keeps broadening
its horizons on what constitutes a relationship is many companies
are going to find themselves in lawsuits. One would think it would
be cheaper just to offer the insurance plan. Once the realization
that our country is changing its perspective has set in one would
hope the intelligent people will make sure that all people can get
affordable health care benefits that fit their families needs. The
point of health care is to keep you healthy, not keep you legally
married.  Find out more about Health Insurance Options for your Significant Other…

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.

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4 Responses to Health Insurance Options for your Significant Other

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