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Infants, Toddlers, & Preschoolers
Reply to "should we switch to family insurance coverage now?"
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[quote=Anonymous]I think OP is actually saying that right now, each of them has individual coverage (individual coverage for two people is cheaper than a family plan under one employee). Come April, if they don't switch into a family plan under either one of them now, they could end up with a family plan for one parent and the new baby, and an individual plan for the other parent. That's more expensive than a single family plan for all. OP, could you and your husband first decide which family plan you want to go with once baby is here? Then ask the appropriate HR office (yours or his, whichever plan you go with) whether both the spouse and the new infant can be added to the family plan at the same time, upon the birth of the baby. If that is indeed the case, it'll be easier to do it that way.[/quote]
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