Health Insurance Options for your Significant Other
Obtaining one of these insurance policies might prove to be a daunting task. Most work related insurance policies donít offer this extension of benefits to their employees. So far it is not required for employers to do this either. So you will need to look for private companies with in your state and see if and which ones offer this benefit and it is at a decent cost. Some states actually do have laws in place to ensure domestic partners are covered and employers must offer this to all employees as long as they have over 50 people working for them. Smaller companies with less than 50 employees sometimes choose to not even carry insurance as a benefit. They don't get the reduced rates because their employee numbers are too low. The best option is private companies for most people in this situation. Remember insurance is a business and broadening its market base bring the company more money, so more than likely they will find something for you.
If you do find a policy, make sure you look it over carefully. Know what the policy covers and doesnít before buying it. Make sure that if you need any specific criteria met prior to purchase that you have done so and have proof. Some policies require that you live together and have been together for a minimum time period. They also might want to know if you are fully supporting this person and/or if they qualify for health benefits through somewhere else. Sometime a joint bank account is also required to prove that you are mutually sharing living expenses and have access to each otherís money. You want to make sure that the policy works for you and your partner and will cover all the needs you both have. Make sure that the plan is affordable as well. If the price is outrageous and the plan stinks, then it would be better to just purchase a single plan that just covers the other person.
This is not an easy task for most people. Even states that require employers and private insurance companies to provide domestic partner insurance still try to find loopholes to not have to. What people are failing to see is that morality and ethics are not supposed to keep a person from obtaining medical coverage for themselves and their partner, regardless of whether or not they are married or the same sex. Last time I checked that was discrimination. What is going to happen as society keeps broadening its horizons on what constitutes a relationship is many companies are going to find themselves in lawsuits. One would think it would be cheaper just to offer the insurance plan. Once the realization that our country is changing its perspective has set in one would hope the intelligent people will make sure that all people can get affordable health care benefits that fit their families needs. The point of health care is to keep you healthy, not keep you legally married.
DISCLAIMER: This information is for educational and informational purposes only. The content is not intended to be a substitute for professional advice. Always seek the advice of a licensed Insurance Agent or Broker with any questions you may have regarding any Insurance Matter.
About the author of: Health Insurance Options for your Significant Other
Thomas Hunter is an Internet marketer, author and publisher and has helped hundreds of people save money on their health insurance. Visit us at http://DiscountOnlineQuotes.com spend 5 minutes and get your no obligation Health Insurance Quote. Article Source: http://netsalesinc.com
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