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Old 08-15-2018, 03:28 AM   #1
2sunshines
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Default 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. 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.
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Old 08-15-2018, 04:33 AM   #2
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Default 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.
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Old 08-15-2018, 06:37 AM   #3
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Default Re: Random health insurance question with new job

Iíve 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
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Old 08-15-2018, 09:15 AM   #4
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Default Re: Random health insurance question with new job

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Originally Posted by SonshineMama View Post
Iíve 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.
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Old 08-15-2018, 09:28 AM   #5
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Default Re: Random health insurance question with new job

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Originally Posted by ECingMama View Post
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
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Old 08-15-2018, 10:43 AM   #6
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Default 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 youíre not planning on using it.
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Old 08-15-2018, 11:11 AM   #7
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Default Re: Random health insurance question with new job

I would say most places are 1st of the month after 30 days of employment.
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Old 08-15-2018, 11:21 AM   #8
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Default Re: Random health insurance question with new job

Quote:
Originally Posted by Katigre View Post
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.
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Old 08-15-2018, 05:24 PM   #9
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Default 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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