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Duplicate Coverage

When spouses are both employed by the state, they must enroll under the same family coverage.  Employees cannot be covered as both an employee and a dependent under the State’s health and dental insurance plans.

Employees have four coverage choices under the health 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 family coverage for themselves and their dependent(s) under double-spouse family coverage with one spouse being the contract holder and one being the contributing spouse.


The Benefits Management Team of the Iowa Department of Administrative Services developed this website to provide you with information about your benefit options, and serve as a valuable resource for information about your benefits.  The benefits described at this website are subject to change.  Nothing herein shall be construed as a guarantee of benefits.  This website is not a complete description of the State of Iowa’s benefit plans.  Nothing on this website supersedes or changes any of the terms and conditions of any plan documents, insurance policies, or other legal agreements.  If the wording in this website contradicts any plan documents, laws, regulations, administrative rules, insurance policies, or other legal agreements, the wording in the official documents and agreements will govern.

If you have any questions, please contact your Human Resources Associate.