Getting married is an exciting time with lots of changes, but don’t forget to look at your health insurance options! Did you know that getting married is considered a qualifying event? That means you and your spouse have a Special Enrollment period for 60 days from your wedding day to enroll in a new health insurance plan or make changes to your existing plan. If you miss the 60-day window, you will have to wait until open enrollment.
Some options you should consider when enrolling in health insurance:
- If you have insurance through your employer, think about adding your spouse to your company’s group health plan. Ask your HR department what the cost of adding your spouse would be. This will help determine if this is a good option for your needs.
- Consider looking for a new health insurance plan altogether. Many affordable plans are available on and off the marketplace, so we advise you to explore different insurance plans.
- Get separate plans. We know you just tied the knot, but because you’re married doesn’t mean you have to have the same insurance plan. It may be more affordable to be separately insured or find more tailored plans to the medical coverage they need.
Our brokers here at Cosmo Insurance Agency will make this process a smooth and straightforward transition. Call us today to get started.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.