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-   -   Random health insurance question with new job (http://www.gentlechristianmothers.com/community/showthread.php?t=525933)

2sunshines 08-15-2018 03:28 AM

Random health insurance question with new job
 
Dh is starting a new job with a different company in a month. They offer health insurance which we will buy in to.

It's been YEARS since we've had employer offered health insurance so dumb question that I don't know the answer of -- will the new health insurance start on day 1 of employment or will there be a waiting period?

I'm trying to decide when to drop our existing plan. :think He'll ask the official HR but his appt with them is not for another week and I'm just curious what the general experience with this is.

Katigre 08-15-2018 04:33 AM

Re: Random health insurance question with new job
 
It varies by employer - he'll need to ask directly. We've had it start on day 1 and also after a few weeks.

tempus vernum 08-15-2018 06:37 AM

Re: Random health insurance question with new job
 
I’ve also had after 90 days. in General if I starts on day 1, I believe the current law states you have 30 days to sign up. If you miss the deadline, Then You would have to wait for the plans annual open enrollment

ECingMama 08-15-2018 09:15 AM

Re: Random health insurance question with new job
 
Quote:

Originally Posted by SonshineMama (Post 6152660)
I’ve also had after 90 days. in General if I starts on day 1, I believe the current law states you have 30 days to sign up. If you miss the deadline, Then You would have to wait for the plans annual open enrollment

My mom had 30 days to sign up and was so overwhelmed at work she didn't! Which resulted in having to wait 6 months! It really varies.

tempus vernum 08-15-2018 09:28 AM

Re: Random health insurance question with new job
 
Quote:

Originally Posted by ECingMama (Post 6152675)
My mom had 30 days to sign up and was so overwhelmed at work she didn't! Which resulted in having to wait 6 months! It really varies.

Yes. Employers can be more lenient if they choose to be but typically 3 times to add coverage
1 at hire within time they designate
2 open enrollment which happens annually - i was hired in February. Open enrollment is November for January.
3 after qualifying life event

https://www.thehortongroup.com/resou...rollment-rules

Aerynne 08-15-2018 10:43 AM

Re: Random health insurance question with new job
 
My dh just started a new job and has to work 60 days to get insurance. Our last employer it was 30 days. Also something to consider- there will probably be open enrollment for 2019 soon. So consider skipping dental and vision coverage for the rest of 2018 if you’re not planning on using it.

Pragmatist 08-15-2018 11:11 AM

Re: Random health insurance question with new job
 
I would say most places are 1st of the month after 30 days of employment.

Psyche 08-15-2018 11:21 AM

Re: Random health insurance question with new job
 
Quote:

Originally Posted by Katigre (Post 6152656)
It varies by employer - he'll need to ask directly. We've had it start on day 1 and also after a few weeks.


Yep. It all depends on company policy.

mommylove 08-15-2018 05:24 PM

Re: Random health insurance question with new job
 
IME, big corporations have been immediate, family owned businesses have a waiting period.


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