Health insurance - am I covered as a dependent
Jan 15th 2016, 11:45 am
#16
BE Forum Addict
Joined: Aug 2007
Location: Maine
Posts: 2,043
Re: Health insurance - am I covered as a dependent
It is up to the employer. As previously noted, the employer must pay for at least 50% coverage for the employee (some of my staff are fully funded). There is no requirement to provide insurance for a spouse. I don't know why they wouldn't as typically the spouse pays 100% of the premium, and the clerical work needed to add them is minimal.
We even go so far, as allowed by our carrier, to extend it to domestic partners. It costs us nothing, but is of huge benefit to the employee.
We even go so far, as allowed by our carrier, to extend it to domestic partners. It costs us nothing, but is of huge benefit to the employee.
Jan 16th 2016, 7:09 am
#17
MODERATOR
Joined: Nov 2006
Location: Hong Kong, mostly.
Posts: 5,214
Re: Health insurance - am I covered as a dependent
There have been some companies lately that have tried the "no dependents" approach but they are subject to some severe criticism and losing of employees. I would be surprised if a senior level person was offered insurance that didn't include dependents, but you'll need to ask specifically of your HR person whether it is included (maybe after you get an offer) and whether your pre-existing condition would be a problem.
Note that in some law firms, which are set up as partnerships, the senior partners have to pay 100% of their insurance (i.e. no subsidy) as they are the parties to the company. Can come as a surprise to some senior people as the rates for full insurance for a family can be quite high without a subsidy.
Note that in some law firms, which are set up as partnerships, the senior partners have to pay 100% of their insurance (i.e. no subsidy) as they are the parties to the company. Can come as a surprise to some senior people as the rates for full insurance for a family can be quite high without a subsidy.
