My work offers us discounted health insurance and I have the option of 'single' or a 'family plan'. The family plan costs more than double what the 'single' plan is, but if I want to cover my husband, I cannot just pay double the price of the single plan. I have to pay more, even though we will never have children (if this makes sense). I think this is discrimination!
We had what CarryOn has with my husband's previous employer. It cost us seventy dollars a week for DH + me, and that was just half(my husband's employers paid the other half). After seeing the family prices... Let's just say we were thanking ourselves for being CF.
Yet they required a $1k deductible for either of our sterilization procedures, and couldn't even tell me up front if they would cover a tubal or not.
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Joined: Sun Mar 21, 2010 4:53 pm Posts: 3772 Location: Boise, ID
I would say it's unfair. Ours is set up as single (employee only), or employee and spouse, and then each additional dependent is an additional premium. So you're paying for each person; a couple with no kids wouldn't pay as much as a couple with kids. It seems very unfair to do otherwise.
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Joined: Sun Jun 26, 2011 9:08 am Posts: 3743 Location: UK
You could contact the health insurance company separately and see if they would give you a quote to add your hubby on to your single company health insurance.
In the UK it's been possible to do this, the company pays £X and the individual has paid their own supplement to extend the cover either to cover particular illnesses or to include other family members.
It may be worth a phone call......If the health insurers can do that, then it may also be worth asking your payroll department if they can attach the supplement to your earnings (so it comes directly out of your pay).
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Joined: Mon Aug 29, 2011 8:33 am Posts: 630 Location: Brisbane, Australia
The definition of "family" has changed, it no longer means a husband, a wife and a kid. Families can be single parents and kids or a couple with kids or a child free couple especially if you're a married couple who are legally recognised as each others spouse. It's not discrimination, it's expanding the definition. You and your husband aren't two single people, you're legally recognised as a couple therefore a family and are legally treated as such.
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