Act quickly—once you’re back from your honeymoon, of course. You have 60 days from the date of your marriage to obtain coverage. If you enroll through your employer, the deadline might vary so make sure you check.

What is spousal coordination?

COB is a process where individuals, couples or families with more than one benefits plan combine their benefits coverage. This allows a plan member to receive up to the maximum eligible amount for eligible prescription drug, dental and health COB claims.

What is the birthday rule to determine which commercial insurance would be primary?

Under the birthday rule, the health plan of the parent whose birthday comes first in the calendar year is designated as the primary plan, according to the National Association of Insurance Commissioners. It doesn’t matter which parent is older. The year of birth isn’t a factor.

What happens to a life insurance policy when a loved one dies?

While the purpose of a life insurance policy is to provide coverage in the event of a loved one’s unexpected death, if the insured dies within a year or two of obtaining or increasing their insurance policy, the company will look for reasons to avoid paying the claim.

When is my health plan or my spouses plan primary?

The ” birthday rule ” to which you refer typically applies only to coverage for children, not spouses. Coordination of benefits can be complicated, especially if you have one type of plan, such as an indemnity plan, and your spouse has an HMO. Here’s how COB generally works when you and your spouse are covered under each other’s plans:

Can a first spouse own a life insurance policy?

In these states, both spouses equally own the income that was earned during the marriage — which means if a life insurance policy was purchased during your spouse’s first marriage, his or her first spouse is entitled to some of that money.

When to add your spouse to your health insurance plan?

As long as your children meet these other requirements, you can usually still include them in your coverage. Adding your spouse as a dependent In most cases, adding a spouse to your health insurance plan is acceptable. After getting married, you usually have up to 60 days to enroll in a new plan, or add your spouse as a dependent.