Getting married and moving... have insurance questions! Help?

Question

My Fiance and I are getting married in a few weeks... I have been on my parent's health insurance since I have been a full-time student, but I understand that after I get married I won't be covered any longer. My job isn't transferrable, and I'm moving from Texas to Washington State within a few months (he's already there). My Fiance's job doesn't offer health insurance that I know of, so we will need CHEAP temporary coverage... any ideas of how much it would cost or where to go? Also, My Dad technically owns my car, but I primarily drive it, so will I need to have the title transferred? And, how expensive is liability only auto insurance going to be? After you get married how would insurance know about it, just if I get my name changed right away? Should I wait until I move states to get the different coverage on my own? On a side note... no I dont need lectures from anyone about waiting to get married and all that. Just be nice and offer some suggestions, thanks I appreciate it!

Answer 1

congrats.. i've been married 3 years now and also have 2 kids from the marriage and it's great.

sorry you have to move away from family though!

for insurance.. see for sure if they don't offer any, but if you want temp. ins. just to be covered right awhile while you sort it all out.. you could get Ameriplan USA.. for basic health it'd be 30 bucks a month for your and your fiancee together!

it's a temp option until you find something through work..

with the car.. you can drive it in another state.. while it still belongs to your dad.. the best idea is to have him sell it to you for a buck.. and then wait till you get to WA before changing everything because you'll have to get new plates new drivers licenese.. and auto insurance..

if you kept it in your dad's name you would have to keep the tx plates.

if you need more info, i'm willing to chat with you! i've moved between 4 different states in the last 3 years..so i'm a pro!  My husband worked for menards and got transferred a lot for promotions .. my phone number is at the website under contact info! =0) have a great weekend!

Answer 2

First of all, congrats on tying the knot.

OK, so with regards to the health insurance you might want to change your mindset from "cheap" to "affordable", alright? I highly suggest that you only consider providers that have an A rating or higher at Standard & Poors or AM Best. A lower score might mean that you will run into trouble when try to receive your benefits. So, choose the least expensive plan at the best company rather than the best plan at the worst company.

Alright, next you need to understand what most people don't understand about health insurance. Most people think that it is supposed to help them with doctors visits and medication and, while that's somewhat true, that is not the main focus.

The main focus of health insurance is to protect you from that really big hit like a heart attack or in your case, since you are pretty young, a major car accident. Now, from this thinking decide how much per month would be too much of a burden if something were to go wrong.

For some people this could be $500 for others it would be $5000. Take your number and multiply it by 12. This should give you an idea of what deductible you should focus on. Therefore, if something bad were to happen, and you figure that you can only afford another $200 per month, then set your deductible at $2400 per year. If you are wealthy and have an extra $1000 per month then this would give you a $12000 deductible. Of course, a higher deductible means less per month and vice versa. Just remember that health insurance is to protect you from "the biggie".

Now, you need to find insurance which is difficult but not impossible when it comes to individual insurance. Check with every group that you belong to such as fraternities, sororities, alumni groups, churches, credit unions, etc. Check ALL groups that you can think of because any association can set up a group plan. Group plans are not just for employers. Also check membership stores such as Costco and Sam's Club. I know that Costco has an individual plan.

With regards to health insurance, if you sign with an HMO make sure that you purchase a "rider" that allows you to  be taken to any hospital in the case of an emergency. It will cost you a little more, but anyone that's seen "Sicko" will be able to tell you why. No point in saving a little money and ending up dead right?

With regards to the car insurance, I don't know too much about this but I do know one thing. You must get the title of the car out of your father's name completely! Right now! Today! If you are in a major accident, it doesn't matter who has the insurance. Anyone on the title can be held liable. Since you probably don't have any assets, the lawyers won't come after you. They'll go after your father and his assets such as his house.

Make sure that you build and keep a pristine credit report (by paying bills on time and paying off credit cards entirely each month) and also make all of your insurance payments on time. Your credit score has a major affect on your charges. Also, get in shape (I'm guessing you're already doing this with the wedding coming up right). Even losing 5 pounds can put you in a lower payment class.

And don't even think about lying on an insurance application. It's against the law and makes it legal for an insurance company to deny a claim or worse.

Finally, I highly suggest that you and your husband do some research about finances and how to set things up like life insurance, checking and sacings accounts, etc. Most newlyweds make a lot of mistakes with regards to their financial situations because they are blinded by love. I recommend Suze Orman's books and the two resources below.

Answer 3

i don't know anything about the health ins. but for the auto insurance.  you might as well wait until you move states because it will be easier.  you will need to get the car transferred into your name in order to have the insurance in your name.  the liability only price will depend on the state you are in, if you have any tickets or accidents, etc.  the insurance company will not know you get married unless you tell them.   hope this helps a little bit!

Answer 4

If he technically owns it, it's his car.  He'll have to sign it over to you.  You'll have to get quotes on the auto insurance yourself, there are WAY too many variables.  

Why don't you go sit down and talk with your current (or your dad's current) local agent, and have them explain all this stuff to you?  They can tell you what steps you need to go through, and then the information will be personalized for YOU.

Answer 5

1st your fiance needs to find out if his employer offers health insurance and sign up for it. I'd be concerned if he didn't know that taking the job.  you need to got to the registry of motor vehicles to get a new title in your name.  they will give you the forms to fill out for the transfer.  it cost me 50 for the title and i had to re-register the car for more money, but that was in MA.  you may want to wait until you get to WA for that.  they may have forms to fill out as if you were buying "dad's" car for a buck and get everything transfer over then and only pay those fees once,