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<blockquote data-quote="glock girl" data-source="post: 1332230" data-attributes="member: 6217">When I graduated from college and got a real job it was significantly cheaper to take me off hubby&#039;s insurance and use my work&#039;s policy - I like my chiro visits and my work covers them 80/20 after my whopping $400 deductible and 2k max outta pocket cost.&nbsp; My rx plan has great coverage for what they cover, but there are some stupid exclusions.&nbsp; Insurance would apparently rather pay for a baby than preventative measures.&nbsp; <img src="/images/smilies/image474.gif"&nbsp; class="smilie" loading="lazy" alt=":preocc:" title="Image474&nbsp; &nbsp; :preocc:" data-shortname=":preocc:" />I honestly thought this was the norm - there weren&#039;t any initiation or startup fees or anything for my insurance, I just started paying premiums.&nbsp; Since adding the fam costs like double the employee, it just seems like it would almost always be cheaper for a couple to each have their own coverage as long as there aren&#039;t any dependents involved.</blockquote>

[QUOTE="glock girl, post: 1332230, member: 6217"] When I graduated from college and got a real job it was significantly cheaper to take me off hubby's insurance and use my work's policy - I like my chiro visits and my work covers them 80/20 after my whopping $400 deductible and 2k max outta pocket cost. My rx plan has great coverage for what they cover, but there are some stupid exclusions. Insurance would apparently rather pay for a baby than preventative measures. :preocc: I honestly thought this was the norm - there weren't any initiation or startup fees or anything for my insurance, I just started paying premiums. Since adding the fam costs like double the employee, it just seems like it would almost always be cheaper for a couple to each have their own coverage as long as there aren't any dependents involved. [/QUOTE]

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