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Spousal health coverage going away?

Discussion in 'The Okie Corral' started by Mr981, Feb 23, 2013.

  1. Mr981


    Dec 27, 2000
    N. Central OH
  2. hal8000


    Aug 30, 2006
    My company has a variation of that policy. If an employee's spouse is employed and their spouse's employer offers health insurance they can't be covered under our company's plan. I don't like that policy but but I can see the reason for it.

  3. G17Jake


    Sep 13, 2002
    I haven't seen this.... yet, but I am waiting to see how things change in the next year or two.

    Not very long ago, my employer added insurance benefits for same-sex partners of employees.

    I'm not gay and I don't have a stay at home wife, so none of this applies to me.

    Anymore, I consider it a win if I still have a job.
  4. M2 Carbine

    M2 Carbine

    Dec 21, 2002
    obama care will be so costly and a health care killer, in the next few years companies will be doing everything they can to avoid being put out of business.

    There will be a lot of changes and no one, except the freeloaders, will like it.
    My Blue Cross is going up next month.

    The only up side is the people that voted for obama will be badly screwed to, just like the rest of us.:)

    Last edited: Feb 23, 2013
  5. Yep. Ameritopia is a disaster in the making.
  6. I work in IT doing health insurance auditing. We typically have some of the best insurance around. We just got a similar policy added for 2013.

    The working spouse can be covered, but there is an extra $150 per check surcharge in addition to the other addition costs of going up from just covering yourself.

    Oddly enough, even if your spouse also works for the company this applies.

    Sent from my Galaxy Nexus using Tapatalk 2
  7. GLWyandotte

    GLWyandotte Señor Member

    I have the surcharge as well for my wife as she has insurance offered by her employer. This would be not so bad, but her employer offers a poor disaster-type policy and doesn't offer any coverage for anyone but her.
    If it was apples to apples a surcharge wouldn't be so bad.
  8. PaulMason


    Feb 10, 2010
    That is what health ins was back in the day. People paid the small bill and only had 'major medical' for hospital stays.

    Part of the problem today is that people expect health ins to pay for all health related costs.
  9. When they charge $800 or more bucks for routine blood work that's part of a yearly physical I can't blame them.

    Until insurance started covering most things the majority of people never went except for emergency care.

    Sent from my Galaxy Nexus using Tapatalk 2
  10. Snaps

    Snaps Hail 2 The King

    Apr 8, 2004
    SWPA sticks
    Not to mention they'll bounce you to as many drs as possible to charge you again and again.
    Torn rotator cuff I was required to get a shoulder x ray, then a cervicle spine MRI. Then they wanted me to do PT for months before they'd even MRI the injured shoulder.

    Sons aid screw it, went to the VA and told them the problem, scheduled my shoulder MRI right then, diagnosed and started treating the problem.

    No bouncing around from golf buddy to golf buddy so they could all charge and never treat you

    Nobody can afford all the crap the medical industry is setup to run you through
    Last edited: Feb 24, 2013
  11. ChiTownPicaro


    Jul 16, 2012
    I read an article that suggested that Obamacare was meant to fail as it is what Obama and the creators of the plan wanted. It was suggested that as more employers moved to take employees from Full time workers to part time workers, eventually the burden would shift from the private sector providing healthcare in the form of an employment benefit to a single payer system and we would get national healthcare. Once that happens more jobs would go from part time to full time and more people would be hired to work.
  12. ChiTownPicaro


    Jul 16, 2012
    As a single unmarried person, I have no skin in the game. And I have no real sympathy. I personally think that people should provide their own health insurance and dislike when some employers cover spouses and family of the married employees. I don't get an extra bonus for not costing my employers extra money to care for my family.

    Health insurance should not necessarily be for everyone, and as people are losing it we will see more parasites take Medicare and Medicaid stealing from us productive folks. It is a shame really.
  13. JohnBT

    JohnBT NRA Benefactor

    Feb 24, 2000
    Richmond, Virginia
    "we will see more parasites take Medicare"

    It's not really voluntary. Between the government and the insurance companies you have to do it their way when you turn 65.

    People are nearly forced to take it. A person cannot receive Social Security retirement without taking it. Many health care plans won't continue to insure a person at age 65 if they don't sign up for it. Some private plans drop people at 65 and force them onto Medicare.

    I'm only 62, but I retired from the state last year after 37 years and I've been studying the health insurance rules. I haven't applied for SS retirement yet, but Medicare will be mandatory for me at 65 unless I want to do without insurance because the state will drop me. Right now I'm paying $510/month for just me. At 65 I'd be paying $250 to the state and about $105 for Medicare Part B. Part A is 'free'.

    That's the way it is.


  14. My company required that if a spouse was covered on her job, she would be covered only as a secondary on my insurance and her insurance was primary for her. That seemed fair. This was over 15 years ago.
  15. ChuteTheMall

    ChuteTheMall Witless Protection Program

    Marraige is becoming obsolete, destroyed by common law marraige rights, gay marraige rights, palimony rights, and extending the various legal & financial benefits of actual marraige to those who are not in fact married.

    Just having roommates is becoming the new marraige, at least as far as laws and regulations are concerned.


    Pets are people too.
  16. RonS

    RonS Millennium Member

    May 27, 1999
    Oh, USA
    If my wife had access to other health insurance it would cost me an extra $350 a month.
  17. Bullman

    Bullman Deranged Deputy

    Oct 11, 2003
    SW Virginia
    Shoot, if i tried to get my wife on my insurance it would wipe out one of my checks per month, I couldn't live.
  18. certifiedfunds

    certifiedfunds Tewwowist

    Apr 23, 2008
    Exactly right and returning to this (and eliminating Medicare) is the only thing that will fix the problems.

    It is supposed to be "insurance" not "prepaid medical".
  19. certifiedfunds

    certifiedfunds Tewwowist

    Apr 23, 2008
    The fact that people are insulated from the true cost of their healthcare is the REASON why routine bloodwork costs $800

    Its a bit of a catch 22
  20. That's an interesting theory. I could see this being true.