My boyfriend is currently unemployed and needs health and dental insurance can I add him to mine?
Mу boyfriend аnd I hаνе bееn together fοr a lіttlе under 2 yrs, hе јυѕt lost hіѕ job due tο lay offs, hе now hаѕ nο medical аnd nο dental insurance. Iѕ thеrе a way I саn add hіm tο mу рlаn ѕіnсе wе аrе nοt married аnd nοt living together?
Well A cobra рlаn out here cost around 400 a month, аnd whеn уου аrе οnlу getting around 1100 a month іt kinda puts things іn perspective іn whаt уου саn afford.
All you have to do is marry him, and then you can add him.
In order to get marital priveleges, you have to be married.
Check with your plan administrator or HR department, but usually you cannot add him since you are not related.
No. He can get health insurance through a private provider (which is most likely going to be expensive), or he can apply for state insurance to try and get free health care. Unless you are married he cannot go on your health insurance.
Some employers have a provision in the policy for you to declare someone a "domestic partner". This would be in place of saying this was your spouse to allow for people in same sex commitments. However, I think that you have to be living under the same roof. It could result in your union being looked at as a common law marriage in states that recognize that status.
Probably not. A few states offer domestic partner benefits. Check with your HR person.
COBRA
Go visit the justice of the peace…make him a husband and you can.
Very few companies allow "domestic partners" to be on health insurance.
Your best source of information is you employers HR dept.
No, you can’t add him. You’d need to be living together to even be considered domestic partners. Some plans cover that.
But, the question is why would you want to cover him under your plan? Why doesn’t he just go buy a plan?
No plan that I know of allows that. If he researched private medical and dental insurance plans he will see that his COBRA benefits are cheaper, particularly for the medical insurance. There are dental discount plans available. While not dental insurance, these plans offer large discounts (30-60%) at participating dentists. The yearly premium is anywhere from $80 – $200/year, depending on the benefits. I am self-employed and I use a dental discount plan. Go to http://www.lowpriceddentalplans.com to see which plans are available for his zip code.