One gray area is health coverage for domestic partners. If you are living with a domestic partner, then read on to discover if it may make sense for you to be eligible for domestic partner health care coverage and how it can benefit you.
The first thing you need to know is whether or not you are eligible for coverage under the terms of your domestic partnership. In this case, you will want to check with your employer or the union that governs your union in order to see what type of benefits they offer. Many employers provide health plans to their employees, as well as many unions that govern unions. Often, these plans are provided in the form of group or family health plans that may include dental, vision, and other common coverage options.
It’s always best to speak with a medical professional before you decide to seek health care coverage from them. They may be able to point you in the right direction when deciding whether or not you qualify under the terms of your domestic partnership. You should find out if the plan you are interested in is only applicable to you and the person you are living with. If so, then you may want to speak with your employer or union before you apply. There is no reason that they can’t give you an option that will fit both of your needs.
If health care insurance does not fit into the terms of your partnership, then you may need to look elsewhere. Your spouse or domestic partner could be eligible under Medicaid. This is a joint federal and state program that will cover a percentage of all medical expenses. You may also be eligible for Medicare, but you must have been self-employed and covered by your own company prior to eligibility. Medicaid eligibility will be determined by each state, but you should try to apply to every state to get the most favorable results possible.
If your spouse has decided to take out health plans in the event of a need, you should find out how much coverage he or she gets through each plan before deciding whether or not you need to purchase health insurance of your own. If they are covered through either of the above-mentioned plans, then you won’t need to look any further for health care coverage beyond those.
If your partner is eligible for an HMO or PPO, you will want to review that as well before you apply for domestic partner health care insurance. If you have this type of coverage, you will pay the same premiums as if your partner ever needs to use the hospital or treatment at a public facility. The only difference is that you will only pay the deductibles and co-payments for that purpose. If your partner doesn’t have it, you will pay nothing.
If the only coverage you have is an HMO or PPO plan, don’t worry. You can still choose a high deductible health care plan that will allow you to make partial payments for routine checkups and prescription drugs, while leaving the rest for your partner’s expenses. The deductible can be set so low that you don’t have to pay anything on medications or major procedures. This will enable you to afford your partner’s medical treatment without making a payment for the entire treatment.
Finally, once you have determined whether or not your partner can get affordable coverage, it is time to discuss other types of benefits that may be available. The coverage you get through your partnership may cover you for some medical emergencies that occur in the home or while you are away. If this is not covered, you may want to check out a plan that will cover the costs if a hospitalization or major surgery is needed. No matter what type of benefits you decide to purchase, it is important to understand the health care plans that are offered to you.