What coverage options are available if a husband and wife both work for a participating entity?
If an employee and wife both work for a participating entity, each can choose employee-only coverage and select the same or different plans. Or, one employee can select employee and spouse coverage, and the spouse must decline or waive coverage. If there are dependent children, one employee can choose employee-only coverage and the spouse can choose the same or different plan for employee and child (ren) coverage. Or, one employee could select employee and family coverage, and the spouse must decline or waive coverage. Dependent children cannot be covered by both parents. If a husband and wife both work for the same participating entity, funds may be pooled for employee plus spouse or employee plus family coverage. TRS and Blue Cross Blue Shield of Texas also developed an option which will allow a husband and wife employed at different participating entities to “pool” funds to obtain employee plus spouse or employee plus family coverage. Information about this option is available from
