Do My Children or Dependents Have Coverage?
Who is considered a dependent?
Dependents are considered any of the following:
- • Spouses and domestic partners;
- • Anyone you include on your federal income tax return (even if they do not live with you);
- • Dependent children through age 18;
- • Dependent children 19 to 26 – when your child turns 19, they no longer qualify for pediatric benefits. However, they can stay on your plan as a dependent until their 26 years old.
When can you add dependents to or make changes to your plan?
If you want to add a dependent to or make changes to your plan, talk to your HR representative to determine when you are eligible to do so. Typically, though, this happens during open enrollment, but some situations will allow you to enroll, or make changes to your plan outside the open enrollment window – these are called qualifying events.
If any of the following occur, you may be eligible to enroll or make changes to your plan:
You add to your family:
- • You have a baby;
- • You adopt a child;
- • Your foster a child;
There is a change in your status of that of your family:
- • You get married or enter into a domestic partnership;
- • You get divorced or dissolve your domestic partnership;
- • Your child turns 19;
- • Your child no longer qualifies for their current plan;
- • Your child becomes a US citizen;
Other qualifying events:
- • You or your child’s parent/guardian no longer get coverage through work;
- • You or your child’s parent/guardian no longer get COBRA coverage;
(For more info on plan-specific coverage for dependents, log into MySmile® or review your Benefit Booklet.)
The easiest, fastest, and most accurate way to check coverage for dependents is by logging into your MySmile® account.