KeithWM
wesley yotiedo friends with benefits include health insurance?
asking as an american
nackmack@wesleyote with most health insurance providers if you can prove cohabitation and interdependence they will extend health insurance to your friend. Just say "live-in partner" and "what forms of documentation do I need to extend coverage to my domestic partner?" when calling and they should tell you what you need.
it's a massive pain in the ass because you have to re-attest every time the policy changes but if half a polycule has health insurance you can get the whole group covered this way. Buddy up on who has insurance relationship and it's easier to keep it consistent year to year, switching it up on a rotation invites questions.
Only time I would recommend rotating is if someone has a very expensive chronic illness, every time plans are renewed review all the coverages and premiums and rotate that member to the best plan for coverage:cost ratio
You can also dual-coverage and have a primary and secondary insurance, so after the primary insurance is billed you can send the patient bill to the secondary insurance to shave a bit more off the out-of-pocket. Only worth it if you/re polycule has a lot of health needs but could be useful.
PetterOfCats@circuitsunfish @wesleyote also is this friend a pre-existing condition? Largely depends within your state and in many cases, county.
@PetterOfCats @wesleyote omg yes, in my state at least it is a pain in the ass but just tedious. Other places you go through the whole thing and then it's impossible actually. We need universal health care
@circuitsunfish @PetterOfCats i'll keep that info bookmarked for when i possibly lose my coverage in the next year. and YEAH this country's health system is a joke but morbidly unfunny. we would be hella more productive and happy if we all weren't a mass layoff or preexisting condition away from being told to just die instead
@wesleyote @PetterOfCats for real telling me to just die for being a burden and affront to society has become a national sport. I hope life goes easy on you
Richard W. Woodley ELBOWS UP 🇨🇦🌹🚴♂️📷 🗺️Back in the day it meant you knew somebody that owned a truck.
Zalasur 🐸🇺🇦@wesleyote Yes, but only if your state offers domestic partnership or if you get married to them.