If My Girl Friend Adds Me On Her Health Insureance Does That Make Us Common Law Married?

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Questions and Answers on the Domestic Partnership Act

1. What does the Act crave with respect to health insurance coverage for domestic partners? 2. Does the Act prohibit carriers from offering opposite gender domestic partner coverage? 3. Must coverage exist offered for children of domestic partners? 4. When is the Human action effective with respect to the offering of health insurance coverage for domestic partners? five. Who is the offer of coverage made to - the employer or the employee? 6. What types of coverages does the Human activity use to? 7. How does a carrier determine whether a domestic partnership exists? eight. Tin can carriers charge an employer more for domestic partners than for a spouse? 9. Is it truthful that my employer can require me to pay for the coverage of my domestic partner? 10. Does the Act simply apply to insurance carriers domiciled in New Jersey?

ane. What does the Act require with respect to health insurance coverage for domestic partners? The Human activity requires health insurance carriers to offer policyholders the option to elect coverage for same-gender, domestic partners of covered persons if the policy permits coverage for eligible dependents and is issued or renewed after July 10, 2004.

2. Does the Act prohibit carriers from offering opposite gender domestic partner coverage? While the Human activity does not require that opposite gender domestic partner coverage be offered, it does non prohibit carriers from offer domestic partner coverage that is broader in telescopic than that required by the Human action.

3. Must coverage be offered for children of domestic partners? The intent of the Act is to treat domestic partners of covered persons as spouses for purposes of providing health insurance coverage. Appropriately, if a spouse's natural, adoptive or stepchildren would be covered, the domestic partner's children would similarly be covered.

4. When is the Act constructive with respect to the offering of health insurance coverage for domestic partners? The Act applies to new policies issued subsequently July x, 2004 and to in-force policies as they renew afterwards July 10, 2004.

v. Who is the offer of coverage made to - the employer or the employee? In the case of employer-sponsored coverage, carriers must make the required offering of coverage to the employer, not to the individual covered employees. Employer-provided coverage includes coverage under a group contract between an insurer and an employer or, where permitted, a multi-employer trust or other multi-employer arrangement. Employer-provided coverage may require the employee to contribute some portion or all of the cost of the coverage.

6. What types of coverages does the Act utilise to? The Act only applies to health insurance, it does not use to life insurance. With respect to wellness coverage, the Act applies to policies providing comprehensive or major medical coverage, equally well every bit to stand-alone dental, prescription drug, and vision coverage. Information technology does not apply to blow only, credit, disability income, end loss or long-term care coverage. Group educatee health insurance that provides benefits for both accidents and sickness under which dependent coverage is available must offering dependent coverage to a covered person'due south domestic partner. Group student policies that provide accident-only coverage for students and their dependents exercise not have to offer domestic partner coverage. Medicare Supplement policies are not typically designed to provide dependent coverage. All the same, if dependent coverage is provided, a Medicare Supplement policy must offer coverage to a covered person'south domestic partner unless prohibited by federal police. The Act does non employ to wellness benefits that are self-funded, even if such benefits are administered by an insurance carrier or an affiliate of an insurance carrier.

7. How does a carrier make up one's mind whether a domestic partnership exists? The Department is not regulating what proof carriers may require employees to submit to found the being of a domestic partnership. Carriers may, merely are not required, to obtain evidence of a domestic partnership. Similarly, the Department does not regulate how insurers determine that two persons are married.

eight. Can carriers charge an employer more than for domestic partners than for a spouse? Carriers are prohibited from rating domestic partners differently than spouses in the small employer market (50 or fewer employees). Carriers may accuse more than for domestic partners in the large employer market.

9. Is it true that my employer can require me to pay for the coverage of my domestic partner? Yes, the Domestic Partnership Act allows local employers to require the employee to pay for the coverage of his or her domestic partner. In other words, If an employee wants his partner to be covered, he may have to pay for that coverage.

10. Does the Human action merely utilize to insurance carriers domiciled in New Jersey? No, the Human action applies to all companies authorized to transact health insurance in New Jersey, regardless of the state of domicile. Nonetheless, the Act applies only to policies issued in New Jersey.

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If My Girl Friend Adds Me On Her Health Insureance Does That Make Us Common Law Married?,

Source: https://www.state.nj.us/dobi/division_consumers/insurance/dpaqna.htm

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