Quote:
Originally Posted by marc515
As I noted above, I understand if the couple work for different employers; but one would think that there would be something in place that would not permit spouses working for the same same school district to even be able to select a plan, much less get compensated for not selecting one. If one picks a family plan, what benefit is there for each to select a plan?
I guess my biggest surprise was with the $5K incentive. In today's fiscal crisis, I would think the incentive would be considerably lower; but then again, it is a perceived entitlement that will not be give up without a fight.
I know the federal government does not offer incentives for not selecting a plan, but than again, federal employees have an incentive not to select a plan; they pay 30% of plan costs.
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because, if each selected an individual plan, any caps on coverage would apply to each individually, rather than combined. often, when you add a spouse to your plan at work, your benefits don't double, and neither does your cost. it's cheaper for the employer to have you both on one plan as a "Family" rather than each select individual. it's also worse for you. this is why many people each take individual plans from both respective employers.