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<blockquote data-quote="Signorina" data-source="post: 642998"><p>Dtsc- that may be a provision of your policy - especially if you are employed in a contract or union type of negotiated worker environment. I am guessing that dependents are covered at no additional cost to the employee. It's most definitely not the law- just a provision of the contract your employer has with the insurance provider. Rates are dependent upon the percent of employees covered. Since younger healthy people are more likely to waive coverage, it can skew the participation to older or sicker workers who have higher medical bills. Requiring workers and dependents to have coverage balances the inurer's risk pool and lowers the rates.</p><p></p><p>It's also very common in Union negotiated insurance - our school Union required 100% with- no deductible coverage of employees and dependents, so married couples who both worked in the district had double 100% coverage for themselves and their dependents which was really overkill- they didn't need twice the coverage at 100%!</p></blockquote><p></p>
[QUOTE="Signorina, post: 642998"] Dtsc- that may be a provision of your policy - especially if you are employed in a contract or union type of negotiated worker environment. I am guessing that dependents are covered at no additional cost to the employee. It's most definitely not the law- just a provision of the contract your employer has with the insurance provider. Rates are dependent upon the percent of employees covered. Since younger healthy people are more likely to waive coverage, it can skew the participation to older or sicker workers who have higher medical bills. Requiring workers and dependents to have coverage balances the inurer's risk pool and lowers the rates. It's also very common in Union negotiated insurance - our school Union required 100% with- no deductible coverage of employees and dependents, so married couples who both worked in the district had double 100% coverage for themselves and their dependents which was really overkill- they didn't need twice the coverage at 100%! [/QUOTE]
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