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How to Get a Fiance Health Insurance

The sparkling ring is on, the wedding date is set, and the engraved invitations are ordered--but your fiance doesn't have health insurance. Is there anything you can do about insurance while you are engaged? Although it will be easier to add your fiance to your policy after you're married, you do have options during your engagement.

Things You'll Need

  • Insurance card and contact information
  • Fiance's information including Social Security Number, date of birth, address, etc.
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Instructions

  1. Talk to Your Health Care Provider

    • 1

      First, call your insurance company to discuss your options. Some companies will cover both of you if you are living at the same address; in some cases, you will have to show proof of mutual address (utility bills, for instance).

      If this is not the case, ask how long you have to wait after getting married to add your fiance to your policy. Generally, this can be done within the first month.If you are in the middle of an emergency situation (pregnancy or serious health issue), you might even want to consider getting married in a simple civil ceremony prior to the big bash so you can establish joint health insurance. However, check to see how your insurer will treat a pre-existing condition.

    • 2

      Another option is to consider a simple short-term health care plan for your fiance. Many insurers offer affordable options that can be used for as little as one month, provided you cancel within an appropriate window of time. If your fiance doesn't have significant health issues, he can choose a larger deductible in order to drop the monthly payment to a reasonable level. This might be a good gap solution to get you through your engagement with good insurance.

    • 3

      While you may have visions of wedding bells dancing your head, you also need to be cautious. Just in case the wedding or marriage isn't your happily ever after, you need to make sure you can easily remove the other person from your policy. Again, talk to your provider about options for adding and removing others. It's always good to be armed with adequate information.

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