Perhaps the most beautiful moment of life is marriage. It is the mixing of the lives of two persons into a single one. So on this occasion, the health insurance policy must also be amalgamated into a single one that will provide cover for both the husband and wife’s health. Both of them may have health insurance policy that may have been provided by both of their employers. So after marriage, both the partners will have the option to come under the plan of their spouses and get cover.
Combining health insurance plan: Certain stipulations to be followed
After marriage, it is the time for choosing any one health insurance plan and that should be done by considering the one, which provides the maximum benefit and is also cost effective. Going under the cover of any one health care plan will be a sound decision, as both the husband and wife will be going to spend a single life. But the problem lies in selecting the insurance. Both the husband and wife may have their individual insurance policies, and so a thorough research and study must be conducted in calm mind about the selection of the most apposite one. Consider which one will reap the maximum benefit?
Select the healthcare plan that goes common to both of your health conditions. It may happen that the husband as for example, has back pain and thereby requires chiropractic treatment. The wife may have a general health condition. So it will be a noble decision to select the plan that provides coverage for chiropractic treatment (as per the case) if available. This means that the selection must be made depending on the healthcare one requires. Sometimes it may happen that both the partners’ health insurance policies provide the similar facilities and benefits. So in this context, selection must be made as per expediency, say for the one that provides coverage for hospitals and doctors present near to your place of residence. However, you are also free to choose that health insurance plan which requires you to pay the least amount of premium and get huge benefits.
It is evident that marriage involves future family planning. So in case, both you and your partner are planning to conceive a baby in the mere future, then consider that whether the health insurance policy will provide cover on pregnancy issues, treatment costs, hospital and maternity home expenses, gynecologist’s fees, medicinal charges and other respective expenses or not. Also, cross check both of the policies to make sure that whether they offer cover on crisis situations, pregnancy problems, genetic analysis etc or not. In addition to that, there are various other health complications that arrive before the time of pregnancy and at the post pregnancy period, especially in case of the women. So ascertain that whether the healthcare plans offer similar services and coverage or not.
Apart from pregnancy, there are various other health complications that appear in the marital lives of many. So, think and catalog each of the probable complications which both of you think might arise in your married life, and cross check the availability of the coverage of both of your health insurance policies on these issues. Evaluate each policy against the other one and then only you and your life partner will be able to find the most suitable policy.