My fiance is currently hospitalized due to a stroke he had last Thursday. He does not have insurance, and has been trying to apply thru the hospital.
I have Anthem BlueCross through my job but do not plan on adding him.
We are getting married this evening, and I've heard that he will no longer be eligible once his status changes. Can someone help me understand?
If so, all stoke hospitalization costs not paid by BC.
Rehab costs related to stroke - PT, OT, speech therapy - also not paid by BC.
But if he gets an ulcer couple of months after marriage, that’ll be covered as it’s new diagnosis unrelated to stroke. Insurers can be ruthless.
If their married, his debts are her debts unless there was some super tight / done by an atty valid prenuptial done & he was competent at the time to sign it. Not adding him to her insurance doesn’t shift financial responsibility to just him. Being married has all sorts of financial exposure. I know that sounds oh so cold & heartless but it’s got to be taken into consideration. It’s going to be more than likely in the six figures all in for the debt from his costs of care.
Is this marriage tonite being done so you can be his health care proxy? If so get with social services ASAP to get paperwork for this to be done for you without being his wife.