Why is my health insurance??

Question

Ok so i just got my health insurance from work, now for me on the plan is free. To put myu daughter on the plan I have to pay 160 a month.Now i just got my insurance cards and everything and when I get my pay check they are making me pay for 2 months of insuarnce for my daughter for Feb-March and I didnt even have insurance at the time..So why am I having to pay for 2 months of insurance when neither me or my daughter had it at the time?

Answer 1

Definitely ask your HR person.  

Premiums for health insurance are deducted from your paycheck and managed by your employer.  The employer is then responsible for making a lump sum payment, usually on a monthly basis, to the insurance company on behalf of all their employees and family members.  There are various reasons why past premiums might be due from you but HR is the only one who would be able to explain the details.  If there is an issue of when the policy actually went into effect for you and your daughter, your HR department would be able to correct the matter and could then credit you for those premiums paid in error.  You need to discuss this with them.  From my personal viewpoint, the employer should have explained the "extra" premiums to you BEFORE deducting the money from your check.

Answer 2

You need to ask your employer that.

Answer 3

You probably pay your premiums 1 mo ahead of time. So, payments in march are for april's coverage, etc.

ask hr.