Can you get your girlfriend on your health insurance
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Insurance Coverage for Unmarried Partners Living Together
The definition of a domestic partnership is when two people live together and are involved in an interpersonal relationship sharing their domestic life as if married, however they are not legally married. Domestic partner is a term often used in health insurance to describe who may be covered by a family health policy.
Being in a domestic partnership involves being in a committed relationship. You can not be married to another third person, and still be considered a domestic partner.
The domestic partnership refers to a couple. For health insurance or group benefits purposes, there are specific qualifications and criteria that have to be met in order for people to be considered domestic partners. Since there are no current federal guidelines that state what a domestic partnership is, that answer is up to each individual state. It is becoming common practice for states to recognize a domestic partnership as: a committed couple in a relationship same sex or opposite sex similar to a marriage, but with no official marriage license.
The couple would have similar characteristics of a marriage such as sharing a common residence and financial responsibility. You may have to sign a form available from your health insurance administrator or employee benefits plan administrator that includes several declarations, for example, stating:. Although not all these items may be required, you may have to show some of these to prove your "domestic partnership" under some health care policies. Depending on the type of health insurance you have , conditions may be different.
You may ask your health insurance plan administrator to clarify the coverage specifically for any special situation to be sure the children are properly covered. Normally when the form is completed to request recognition as a qualified domestic partner, there is information to be filled in regarding children. Although every insurance plan is different, ask your benefits plan administrator to find out the specifics and make your formal request so that your partner may be added as soon as possible.
Most employer health plans will allow the addition of a domestic partner if the plan includes this kind of coverage. Evaluating domestic partner insurance requires the same research as evaluating the purchase of any type of health insurance.
Taking the time to understand and review a health insurance policy thoroughly is important and will help you get the most out of your insurance. The first step would be to start with your employee benefits health insurance plan at work. You can contact your HR person or the insurance company directly and ask them if you can insure your domestic partner on your employee health insurance plan and if so, what steps you need to take to get started.
If your employer's health insurance plan does not provide domestic partner insurance, you can check with a private company. This is important for same-sex couples and families to ensure they can also have a chance at the same types of benefits that opposite-sex domestic partner couples benefit from.
Recently a reader asked the question about whether they could still benefit from domestic partner health insurance if they were not declaring themselves married for income tax purposes. People have many reasons to strategically manage their financial and legal marriage status. The IRS website states that there are circumstances where people may be registered domestic partners, but not considered as married or spouses for income tax purposes. You can learn more about that and other tax situations that may concern you by checking the IRS site.
Every situation is different so be sure and inform yourself of your own state laws and get advice from a professional. Also note that if you are newly qualified for being a domestic partner , you may qualify for a change in health plan under special enrollment periods when you have a qualifying life event.
Historically, when a couple shared an insurance plan they had to be married. An employer obviously can not force you to get married, and a person should never get married just because they want health benefits.
If your employer does not provide domestic partner benefits, you could see if your partner's employer does. You may also try and ask your employer to add domestic partner benefits to your company health insurance plan using the data we discussed above.
By using The Balance, you accept our. Insurance Health Insurance. Full Bio Follow Linkedin. Follow Twitter. Mila Araujo is a personal lines insurance broker and the director of personal insurance for Ogilvy Insurance. She is a personal insurance expert for The Balance. Read The Balance's editorial policies.
Employee benefits are meant to attract and keep good employees, and maybe this is where the employer focus should be when they consider offering Domestic Partner Benefits. Article Sources. Continue Reading.
Can I Put My Girlfriend on My Health Insurance?
The definition of a domestic partnership is when two people live together and are involved in an interpersonal relationship sharing their domestic life as if married, however they are not legally married. Domestic partner is a term often used in health insurance to describe who may be covered by a family health policy. Being in a domestic partnership involves being in a committed relationship. You can not be married to another third person, and still be considered a domestic partner.
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Why Zacks? Learn to Be a Better Investor. Forgot Password. At one time, couples married before moving in together.
Can I Get Health Insurance for My Girlfriend?