If you’ve requested a medical insurance quote recently, you might be wondering about the discounts you could get. Certain types of insurance give married couples discounts because being married lowers the individual’s associated risk. For example, a married man is less likely to drive recklessly because he has a family or loved one waiting at home. Car and life insurance companies offer this kind of discount, but what about medical insurance discounts for the married couple? And for that matter, what about medical insurance discounts for single individuals?
My Medical Insurance Quote Came Back without a Marital Discount
The answer is simple: Medical insurance discounts are not offered for married couples. Similarly, you will not receive a medical insurance discount just because you are not married. If you are searching for medical insurance quotes and are married, you will pay the same as you would if you were single. The only exception is now the two prices are combined into one bill or quote instead of multiple medical insurance quotes.
The main reason for this is because the two people who make up the marriage are still susceptible to the same illnesses and risks as individuals. An overweight male has the same risk for diabetes as a married man just as he does if he is single. Also, a healthy woman is at risk for breast cancer whether she is married or not. Because these are factors we cannot change, any medical insurance quote you receive will not convey such a discount.
What About My Employer’s Discount Health Insurance Program?
If your employer offers a discount health insurance program, you will quite possibly save money going with their company rather than going with a highly marketed company. These discount health insurance programs often tie medical and life insurance together. While it may seem that your medical insurance quote is lower, the discount comes from the life insurance, not the medical insurance. In fact, any seemingly discounted medical insurance quotes that you receive from a company could tie in with another type of plan, but they still won’t offer discount health insurance for a married couple solely based upon marital status.
Then why do medical insurance quotes require a marital status?
All insurance quotes, medical or not, require a marital status because that is a factor in determining what kind of insurance you need and for how many people. While you can’t add a friend onto your insurance policy, you can add a spouse. This is great for couples where one works but the other does not. The working spouse can add the non-working spouse to the employee-based medical insurance plan; or if purchasing separately from an employer plan, one spouse can purchase a plan and add the other’s insurance onto the same bill.
For more information on medical insurance discounts, married or not, get online right now and request a free quote from our site.