News Release
2006-08-17
Buying life insurance after a heart attack. Heart attacks raise a red flag for life insurance companies. Yet, that doesn't necessarily mean you'll be denied a policy or pay sky-high premiums if you answer "yes" when asked about heart disease on your life insurance application.
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Best dependent health insurance coverage
Looking for best dependent health insurance coverage?
If you are currently enrolled in a medical and/or dental coverage plan, your eligible dependents can be enrolled in the same plan as you are. If you have previously waived your own health insurance coverage, you cannot enroll your dependents. You can enroll yourself at the next open enrollment, or with a qualifying change in family status to obtain best dependent health insurance coverage.
Qualifying for best dependent health insurance coverage changes in family status with respect to children are:
· Birth of a child, adoption of a child, or placement of a child for adoption
· Responsibility for an “extended dependent”
· Extended dependents are defined by the Health Care Authority as children who are not yours, but for whom you are the legal guardian or have legal custody. Health insurance coverage for extended dependents requires Health Care Authority approval.
· When you have previously waived health insurance coverage and your child loses the non-state, continuous health insurance coverage
· If your dependent child meets the enrollment criteria, best dependent health insurance coverage coverage will begin the first of the month after the other coverage is lost. Adding a dependent child due to loss of other group coverage requires Heath Care Authority approval.
Best dependent health insurance coverage for newborns and newly-adopted children can begin at the date of birth. It can also begin the date you assume legal responsibility for the child’s support in anticipation of adoption. There are important deadlines for adding dependents to your health insurance plan, so act quickly.
You can add a dependent child to your health insurance plan as follows:
- Within 60 days of birth, adoption or assumption of the legal obligation to care for the child;
- Within 60 days of loss of other coverage, by providing proof of lost coverage; or, At the next open enrollment period.
Dependent Children
The term “dependent child” includes the following:
- Children up to 19 years old:
- Who are naturally born, legally adopted, or a stepchild; or,
- For whom you have legal responsibility for supporting in anticipation of adoption; or,
- Whom you support under a court order or divorce decree.
- A dependent child of any age who is incapable of self-support due to developmental disability or physical handicap if the disability developed either before age 20, or during the time the child was covered in a Public Employees Benefits Board plan as a student. Proof of disability and dependency must be provided to the Health Care Authority upon application and as periodically requested thereafter.
- A child, who is a registered student attending an accredited secondary school, college, university, vocational school or school of nursing, through age 23 only if the child is dependent on you for maintenance and support. Best dependent health insurance coverage for students continues year-round for those children registered for school three of the four school quarters, and for three full calendar months following graduation as long as you are covered at the same time.
- Married children who qualify as your dependents under the Internal Revenue Code and “extended dependent” children approved by the Health Care Authority.
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