Newlywed life is bliss. But once you freeze the last slice of cake, preserve the bouquet, and return from the honeymoon, it’s time to tackle less-exciting responsibilities, like adding your spouse to your dental plan.
Doing so can offer financial and health benefits for both of you. However, the process can sometimes be confusing or overwhelming. That’s why we wrote down three “I dos” to help you smoothly add your spouse to your dental plan, ensuring comprehensive coverage for your family’s oral health needs.
Tips to add your spouse to a dental plan
Before adding your spouse to your dental plan, take the time to thoroughly understand your current insurance plan(s). Review plan documents or contact your insurance provider to clarify any questions you may have regarding coverage, costs, and eligibility requirements for adding a spouse.
Once you have a good understanding of your dental plan, follow the tips below:
1. Decide your plan or mine?
If you and your partner have separate dental plans, check the options from each employer or insurer. Find the best plan that serves both of your needs. Compare factors such as premium costs, coverage for preventive and restorative treatments, and in-network dentists to make an informed decision.
Also, look to see if your dental plans have coordination of benefits (COB) provisions. With a COB, your benefit carriers will “coordinate” your coverage and work together to make sure you get the most out of your dental benefits. In that case, you may want to keep both plans.
2. RSVP on time
Outside of open enrollment, dependents can only be added to a plan during a special enrollment period. This period generally lasts from 30 to 60 days after you’re married. Contact your provider to learn about policy specifics and details, like if your partner will be subjected to a waiting period.
Some plans have specific eligibility criteria, such as providing marriage certificates or proof of domestic partnership, so be sure to gather any necessary documentation beforehand.
3. For richer or poorer
When adding a partner, there may be potential rate increases. Be aware that adding your spouse to your dental plan may result in changes to premiums, deductibles, or copayments. Review any adjustments to the financial aspects of the plan and budget accordingly to accommodate these changes in your household expenses.
Here’s to many more years of healthy smiles
Adding your spouse to your dental plan can be a straightforward process with proper planning and communication. By following these tips and staying informed about your plan’s requirements and options, you can successfully navigate the enrollment process and provide comprehensive dental coverage for your spouse.
