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Duplicate Coverage

Employees cannot be covered as both an employee or retiree and a dependent under the State’s health and dental insurance plans. You, your spouse, domestic partner, and dependents cannot be covered under two state policies.


When spouses are both employed by the State, they have four coverage choices under the health and dental plans:

  1. Each spouse may enroll separately in single coverage.
  2. One spouse may elect single coverage and the other spouse may enroll themselves and dependent(s) in family coverage.  The spouse selecting single coverage may not be listed as a dependent on the family plan.
  3. One spouse may elect to waive coverage and the other spouse may enroll both spouses and dependent(s) in family coverage.
  4. Both spouses may elect the double-spouse family coverage with one spouse being the contract holder and one being the contributing spouse.

 


The Department of Administrative Services – Human Resources Enterprise is providing this information about the State of Iowa’s benefits. The information on this web page is subject to change. Nothing herein shall be construed as a guarantee of benefits. This webpage is not a complete description of the State of Iowa’s benefit plans. Nothing on this web page supersedes or changes any of the terms and conditions of any plan documents, insurance policies, or other legal agreements. If the wording in this web page contradicts any plan documents, laws, regulations, administrative rules, insurance policies, or other legal agreements, the wording in the official documents and agreements will govern.