Must an insurance company provide my spouse and me with eligibility for coverage? And am I entitled to spousal health care coverage from my or my spouse’s employer if my spouse and I are married?
November 2008 Insurance Department Advisory Opinion On November 21, 2008, the New York State Insurance Department issued a Circular Letter to all state-licensed insurance companies about an advisory opinion that requires all of those companies to provide spouses in married same-sex couples with the same eligibility for insurance coverage available to married opposite-sex couples. The advisory opinion arose from a dispute over accident and health insurance coverage, but the Insurance Department has stated that the reasoning applies to all kinds of insurance. Nevertheless, because many individuals purchase their health insurance through employer-sponsored plans, please read below for more information. Employer-Sponsored Plans One place where marriage makes a big difference in our society is getting access to employer-sponsored health care for your spouse. Whether you are entitled to spousal health care coverage could greatly depend on whether your employer is a public or private entity.
Related Questions
- Must an insurance company provide my spouse and me with eligibility for coverage? And am I entitled to spousal health care coverage from my or my spouses employer if my spouse and I are married?
- My spouse has health benefit coverage under her employer. Can I deduct the eligible expenses that are not covered by her plan under my PHSP?
- What if I have prescription drug coverage from another type of insurance (employer, union or retirement plan)?
