New Mexico Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
I need help....
FH and I are getting married in April. We don't live together and have each always had our insurances for our cars and anything health related. Now we are trying to figure out if we should join all of our accounts. My main problem is that I have had Lovelace my whole life (and I now work for them and get the employee rate) and he has always had Pres ( he works for the fire department so they get better rates). Has anyone gotten married and keep their own benefits or has anyone switched from Lovelace to Pres or vice versa. Just not sure what to do at this point. Thanks everyone!
Re: I need help....
Hmm.....I never switched my insurance over when I married my ex- we both had coverage through our respective jobs and one wasn't any better than the other. The only time I would probably switch would be if we had kids, because the family rate would apply. But paying individual rates for each of us was the way to go.
HTH!
There's nothing wrong with keeping separate insurance plans, especially if it's cheaper in the long run and you're both happy with your respective plan. Like Empire said, you may want to reconsider when/if you have kids b/c that will affect the rates. I've been on both Lovelace and Pres and I liked them both the same - well, as much as you can like health insurance. I thought both were much better than Cigna.
Don't worry too much about joining everything ASAP. FWIW MH and I still have separate bank accounts. I know that prob makes some people flip out, but it works for us...you'll figure out what works for you.
.: Diary of a Recovering Runner :.
You don't have to have insurance with teh same company. I wouldn't stress about it too much. For health care, it's a combination of teh best rate and actually likeing your plan (doctors, copays, services, etc,)
When we got married, we both kept our separate insurance (I was Pres, DH was CIGNA). Then DH switched jobs and we were both under my plan (Mutual of Omaha becasue my company switched carriers) because his new insurance was too expensive. Then we switched to his plan (BC/BS) because my job doubled their health insurance rate. Then he switched jobs and we went back to Pres because it was what his new job had. Then when I switched jobs, we stayed under his plan because it's cheaper to insure me under his plan than it is for me to take the insurance option at my work.
If your DH is a fireman, he's under the ABQ city plan, right? The city has amazing insurance coverage. (It's what DH has.)
I wouldn't worry about having the same insurance until you have kids. And even then, do whatever gives you cheapest family rate. And the services you want - POS, HMO, etc.