cindyabs

Absolutely, which is why I had mentioned primary through the fulltime job. Sadly, they upped the deductible 500 bucks 10 days before the operation I had.

I was grateful to have the additional coverage from the part time job. It helped.

HoosierDaddy

I'm extremely lucky. I only pay $110 per month for family coverage, so that won't change even when #3 comes along. The wife had Blue Cross Blue Shield when at her previous job but her current position has no benefits, apart from the 30% employee discount on goods. She works at Hallmark - suffice to say there are many "broken paypackets" as they would have said back in the day.

Thanks for everyones input. Just wanted to get some suggestions.

Cheers.

Bob

most wouldn't let you till it's been born...would have to add the wife and follow up care of baby would be covered for x amount of days. 30 in my case.

Bob

yes you can....but it's crap doing that because then you'll have to meet two deductibles/co-pays etc.

NC Penguin

I would suggest that the OP himself gets a job with better health benefits actually. I know it's easier said than done.

Rete

You can be covered by two insurances. For example if Mr. HD got her own insurance that would be the primary insurance. It could not be the supplemental unless Mr. HD got supplemental insurance in his name for the family.

Thus, Mrs. HD's primary insurance pays their share. If it is a decent plan there is only a small deductible, if any, and a co-pay, and she can then put those through to the supplement insurance

Or it would be better for Mr. HD to belong to the company's flex spending plan where he designates X amount of money to be taken from his salary each pay period to be used for health/dental/drug/deductibles/co-pay costs not covered under the healthcare insurance. This money is taken out before taxes.

BTW I have two dental insurance policies. Mine will pay first and the other one pays what the first doesn't.