Throughout BSSP's medical, dental, vision and life insurance programs we have a number of households where both spouses are eligible for BSSP benefits as an employee.
Although someone may have two medical plans, there is generally no benefit to double medical coverage. BSSP recommends the following:
For households with two full-time BSSP employees: One spouse enroll in the selected plan and the second spouse enroll in the Waiver Fee. Because the family will have only one plan, the birthday rule does not apply and it does not matter which spouse elects the selected plan. Coverage may be held in the name of either spouse, with all family members covered by the selected spouse's plan. This arrangement will:
For households with a BSSP+SISC medical plan PLUS medical coverage outside of BSSP: The BSSP-eligible employee should maintain coverage for all eligible family members in order to access BSSP's Health and Wellness Centers and the other added-value benefits available through BSSP. Here are come things to consider with double medical coverage:
Unlike medical, there are benefits to having two dental plans. Both plans will pay to the limit of each plan, not to exceed the allowed amount of the claim.
Benefits on each plan may be accessed separately or combined to offer a higher allowance towards a single benefit.
Life Insurance (The Hartford)
Where both spouses are covered under BSSP's employer-paid group term life insurance program through The Hartford, supplemental life insurance may not be purchased on the spouse. Each spouse should purchase the desired amount of supplemental employee life insurance. And, the supplemental child life policy should be purchased through one spouse, only.