Do you have a high school- or a
college-age dependent child who
will be graduating this spring? If
so, you may have some questions
about when his or her health care
coverage ends.
Unmarried qualified dependents
are covered until the age specified
in your Schedule of Benefits. In
most cases, it is until the end of the
year in which the child turns 19. If
the child graduates before age 19,
coverage can continue until age 19.
However, if the child marries or
is on active duty in the military,
coverage will end on the date of
marriage or the date that active military
duty begins, even if the child
hasn’t reached age 19.
For dependents over age 19,
Dean Health Plan mails out a yearly
questionnaire to evaluate the eligibility
of dependents who are fulltime
students. In order for your
dependent to qualify for insurance
after age 19 as a full-time student,
he or she must:
- Be a qualified dependent (biological
child, adopted child,
stepchild).
- Be a registered, full-time student
in an accredited post-high, academic,
professional or trade
school. Normally this requires 12
or more credits per semester.
Dean Health Plan will follow the
full-time criteria established by
the school registrar’s office.
- Provide less than 50 percent of
his or her own financial support.
- Not be married.
- Not be on active duty in the
military.
If all of these criteria are not met,
coverage will end at the end of the
year, in most cases. However, if
your child marries or enters the
military on active duty status,
coverage will be terminated on
that day.
You should refer to your
Schedule of Benefits for the specific
language that pertains to your
dependents. If you need a copy of
your schedule of benefits or have
questions regarding your coverage,
please contact our Customer Service
Department at 1-800-279-1301 or at
1-608-828-1301.
Remember, as a Dean Health
Plan member, it is your responsibility
to notify your employer and
Dean Health Plan of any changes
that might affect your coverage as
soon as possible. Failure to do so
may result in the loss of any continuation
rights that may be available
to your dependent once coverage
is lost.
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