hi i have a insurance from my empoyer, that doesnt cover dental and vision,as i didnt opt for it.. am getting married in couple of months.. and want to change my insurance to a family insurance, so that it covers both me and my wife.. please let me know, what are the things to consider while changes the policy from single to family, how to get a best rate, and how to have good coverage.....
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First of all...all you have to do is add her to your employer group policy as a dependant. No problem there. But if you want to get you own family policy, you have to becareful with "Pre-Existing" condition. You want to make sure that the policy you switch to doesnt decline any condition you may be experiencing at that time. If both of you are on no medications, then that should not be a problem As far as good coverage, ask for the most comprhensive coverage. It cost more but you will be covered properly especially if you start a family. See how much it would cost to add her on to your group policy Then call an agent to see how much a policy on your own would be. Sometimes it is cheaper on your own because if the group you are in is unhealthy and the group is rated high, then you would be paying a large premium for their claim activities Congrats on the marriage!
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