Dependent Coverage 101
Who is Considered To Be A "Dependent" For Health Insurance Purposes
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Following are the people who can be considered to be a dependent for health insurance purposes:
- Husband/Wife
- Divorced and/or separated spouses may be covered under COBRA
- Children.
- Children generally includes children born to the insured and to children who are legally adopted by the insured.
- Children born to, or adopted by, the insured during the policy term are generally automatically covered.
- There is usually a cut off age beyond which a person is no longer considered to be a "dependent" for health insurance purposes.
- The exact age depends on the particular policy. Some policies extend coverage beyond the threshhold age so long as the child is in school, including through the college level. Even policies which cover through college, generally have a cut off age, such as 21.
- Children under age 26 are eligible for dependent coverage regardless of their educational status - provided they do not have a job that offers health insurance.
- Children who become disabled while a dependent under a parent's group health plan can usually remain covered even after they reach the age when they would normally be dropped from coverage. Generally the insurance company has to be provided proof of disability.
- Significant others
- More and more policies, particularly group health insurance policies, cover significant others. The definition of significant other varies from policy to policy.
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