Investigating Insurance

Major life events. That’s what insurance companies call the major milestones in our lives. That blanket terms covers so many exciting/devastating/scary/stressful/etc. events under one umbrella that wading through what each one means can be tricky. (Maybe it’s just me? Even my detail-oriented brain gets overwhelmed!)


Looking at insurance doesn’t encourage cuddling (for me). Instead, I’d rather hide in a blanket fort! / Image via Health Insurance Article

While 2013 contains several major life events for me (graduation! wedding! maybe new job!), it’s the approaching wedding that has really gotten me thinking about insurance. I mean, I’m going from a me to a we (in terms of legal/binding relationships).

I’ve begun slogging through insurance comparisons to see if it makes sense for Sparky and I to keep our own separate insurance plans, for me to join his, or for him to join mine. This discussion contains not just here-and-now thoughts, but entails future planning, too. You know the little poem:

It’s that baby carriage that terrifies me. / Image via KJR Collaboration

We are not ready for that third one yet, but in looking at joint insurances plans it’s definitely something we need to think about. (Excuse me while I go hyperventilate for a minute.) For now we’re perfectly happy to shower all our baby love on my nephew.


One of us is a bit more comfortable with Nephew than the other”¦ / Personal photo

My point in posting this is not only to vent frustration (insurance documents are. not. fun.) but also to see if anyone has advice—how did you choose what to do with your insurance? Any ideas of what to look for as we consider our options? Does the whole family-planning section make you want to run the other direction as fast as you can?


Mrs. Campfire

Seattle, WA
Wedding Date:
September 2013
Inspiration Found: Save-the-Date Cards
The Sweet Ride: Oh How I Have Missed Thee
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  1. Member
    blonde17jess 1290 posts, Bumble bee @ 8:31 am

    Aww, I think you both look perfectly comfortable with baby nephew! (and nephews/nieces are just the bessssssssst and help stave off baby fever, fo sho!)

    As for insurance, ours was a no-brainer also. For now we both have separate health insurances through our employers, but I work for a University with insurance through the University’s medical center, and it’s both relatively inexpensive and has great coverage (at least as far as I’ve encountered). I’m nooooooo good at sifting through the material (I can’t even manage to read through all of the options for our annual open enrollment period, but I know that it has worked well for me thus far, so I stick with my original choices), but I know we’ll add him to my insurance when we get married. Plus, since I work for a University, he is excited that he can take classes for free as my spouse, too! :)

  2. Guest Icon Guest
    Smike, Guest @ 2:04 pm

    It was vitally interesting for me browsing your post. Thank you very much for this. I like to read about saving money and investment in insurance. I will continue here for more information.

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