What is the name of your state? CA
My husband is currently employed with a large company (also a union if that counts) who he currently has health insurance (HMO) through. I am employed for a company with less than 50 employees who I also have insurance (PPO) coverage through. I enrolled myself and two children in my insurance plan with my job first (in order to keep the boys insured), but did not enroll my husband because we figured he could just enroll himself in his employer's insurance when he waiting period was over. My insurance is quite expensive. When my husband's waiting period was over, we enrolled in his insurance. My husband was a little mislead as to the premium costs. Because we thought it was so cheap, we enrolled my husband, myself and the kids. Couldn't hurt to have secondary insurance, right? Of course, once enrolled, we found out the premium amount we were given is per paycheck (weekly) instead of monthly, which ends up adding up to more than I'm paying monthly through my employer for just me and the kids. We decided it would be smarter to just add my husband to my insurance instead of pay double through both our employers. Of course, since his plan is under Section 125, we are unable to cancel unless during the open enrollment or unless there is a qualifying change of event.
Here's my question:
In my husband's employee handbook, it states that he can cancel or change his insurance if obtaining coverage through spouse's employer and it's during spouse's open enrollment. My husband's open enrollment is not until June of next year, but my open enrollment is this month. My husband is not covered on my insurance, but I would like to add him. Would this qualify as a change of event? Or not since myself and the children are already covered under my insurance?
The reason I am unsure is because when my husband asked his employee relations manager if he could get a change of status form, they told him he wouldn't be able to cancel his insurance. He didn't even explain what he was doing, but she said "no matter what, they ain't gonna let you." So far, with what I've said, does it appear that we may run into any problems?
Please let me know if this doesn't make sense.
My husband is currently employed with a large company (also a union if that counts) who he currently has health insurance (HMO) through. I am employed for a company with less than 50 employees who I also have insurance (PPO) coverage through. I enrolled myself and two children in my insurance plan with my job first (in order to keep the boys insured), but did not enroll my husband because we figured he could just enroll himself in his employer's insurance when he waiting period was over. My insurance is quite expensive. When my husband's waiting period was over, we enrolled in his insurance. My husband was a little mislead as to the premium costs. Because we thought it was so cheap, we enrolled my husband, myself and the kids. Couldn't hurt to have secondary insurance, right? Of course, once enrolled, we found out the premium amount we were given is per paycheck (weekly) instead of monthly, which ends up adding up to more than I'm paying monthly through my employer for just me and the kids. We decided it would be smarter to just add my husband to my insurance instead of pay double through both our employers. Of course, since his plan is under Section 125, we are unable to cancel unless during the open enrollment or unless there is a qualifying change of event.
Here's my question:
In my husband's employee handbook, it states that he can cancel or change his insurance if obtaining coverage through spouse's employer and it's during spouse's open enrollment. My husband's open enrollment is not until June of next year, but my open enrollment is this month. My husband is not covered on my insurance, but I would like to add him. Would this qualify as a change of event? Or not since myself and the children are already covered under my insurance?
The reason I am unsure is because when my husband asked his employee relations manager if he could get a change of status form, they told him he wouldn't be able to cancel his insurance. He didn't even explain what he was doing, but she said "no matter what, they ain't gonna let you." So far, with what I've said, does it appear that we may run into any problems?
Please let me know if this doesn't make sense.
Last edited:
