Death In The Family: Lisa Starts A New Chapter
Lisa, 53, recently lost her husband, James, to a heart attack. Her friends have been great about checking in on her and lifting her spirits. Theyve also helped her update financial accounts and other practical matters. Before James’ death, for instance, Lisa was covered under his employers health insurance plan. Now, Lisa no longer qualifies for that plan.
In cases like Lisa’s, surviving spouses are entitled to COBRA coverage, but Lisa chooses another option. Since the death of a spouse is a qualifying life event, she can enroll in her employers health plan. Under her new coverage, she finds a counselor who helps her cope with her grief and look to the future with hope and gratitude.
Other changes in household include:
- Getting married or divorced
- Having a baby or adopting a child.
One Situation Where Girlfriends May Be Covered
As previously mentioned, boyfriends or girlfriends are not eligible for coverage on their partners policies as a general rule. However, if a couple has been together for a long time, they may be considered to be common-law married. This law states that a couple is legally married even if they have not applied for marriage licenses themselves.
The definition of common-law marriage varies from state-to-state. Most often, a couple has to live together for seven years to be considered common-law married.
If you think that your relationship may qualify for this status, do research into the laws of your state. If your relationship does qualify as a common-law marriage, you will likely be able to add your girlfriend to your health insurance policy.
Who Can Be A Beneficiary
You can name your spouse, children, dependants, another family member, a friend or a charity as a beneficiary. If you name more than one beneficiary, the insurance company will divide the death benefit between them. You can assign percentages of the death benefit to each beneficiary, e.g. 50 per cent to your spouse, 50 per cent to your children.
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How And When To Add Your Parents To Your Healthcare Plan
Get your parents under your health insurance policyor find them the best low-cost coverage for their situationwith these tips.
Navigating the U.S. healthcare system can feel like being stuck in a labyrinth, especially when you have what seems to be a simple question: Can I add my parents to my healthcare plan? If you’re wondering whether you can extend your coverage to one or both of your parents and how, you probably won’t be surprised to learn the answers, respectively, are it depends and it’s complicated.
“The biggest obstacle when it comes to adding parents to your healthcare plan is the research required to determine if your situation allows for coverage,” says , a board-certified, independent patient advocate. “As a general reminder, there is no mandate requiring health plans to offer parents coverage. So finding out will require a lot of proactive digging on your part.”
Here’s how to do the excavation of your situation or policy.
Paying For Someone With Your Insurance
Since it is understood that you can add someone to your health insurance plan in order to get them coverage, the question remains if you can outright pay for someone with your insurance who is not on your insurance plan.
To use a simple answer: no. However, let’s dive a little deeper into the legality behind paying for someone else’s care with your insurance.
We know that if you have a spouse, they can be added to receive coverage. The question then comes up about those with domestic partners or if you have a “common-law marriage”. First of all, check with your specific state to see if common-law marriages are legal as those have their own cutoff date to be added to your insurance policy.
For domestic partnerships, you also need to check with your specific state of residence to see how they enforce those laws.
Now, if you want to pay for someone else you are not in relationship with, it is currently impossible to do without breaking the law. It concerns health insurance fraud, in fact. This is when you have the insurance company pay for someone who is not listed under the policy. It is also considered fraudulent if you use your insurance to cover someone else’s prescription costs.
If you want to help a friend or relative who does not live with you receive health care treatment, you can do so by gifting them your own money to help pay for expenses. You cannot utilize the insurance company for that.
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Can My Boyfriend Or Girlfriend’s Child Be Added To My Health Plan Does It Make A Difference If We Are Living Together
Colleen King, CEO of Colleen King Insurance Agency in Los Angeles, says some individual health insurance plans will allow unmarried couples to be on the same plan, along with any legal dependents, if they are all living together or there’s a court order for the one partner to provide insurance for their child.
“Group health insurance also may allow the same, but it may vary by carrier and by employer. In some states, employers have the option to not allow same or opposite domestic partners to be covered,” says King.
Some health insurers give employers the option of whether or not to require that the relationship is a registered domestic partnership, she adds.
Can I Name My Under
In Ontario, children under 18 cannot receive control over any money left to them in an insurance policy. If you want the children to receive the money, you should name a trustee or administrator and set up a trust for the children. When you die, the trustee or administrator will hold the death benefit in trust for the children until they are 18 years old, at which point the money will be paid out to the child.
It is important to choose a responsible trustee who you can trust. The trustee is responsible for:
- keeping careful records of all dealings with the money
- investing the money as required by a court-approved management plan
- passing the accounts before the courts on a fixed schedule and
- transferring all of the money to the children at age 18.
If you die without naming a trustee or administrator, the death benefit, and any earned interest, will be held in trust by the province of Ontario, and will be paid out when the children reach legal age.
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Can I Add My Boyfriend To My Health Insurance
Some policies, especially those covered by an employer, do NOT allow domestic partners covered under the policy. Since you and your boyfriend dont have any financial or legal obligations, insurance companies dont allow having boyfriends or girlfriends attached to the system.
However, many States offer domestic partner health benefits. All you need to do is inform your insurance company about your relationship status. They may be able to alter the policy for you or even give you better domestic partner insurance options.
The criteria for this is usually:
- You and your domestic partner must have at least lived six months together and plan on living later too
- A shared financial responsibility
- Domestic partners cant be a close blood relative.
- You cant marry someone else.
If your partner doesnt have another form of coverage through their job or some other source, you can talk to your employer and see if they can attach your partner. In most cases, this works, you need to be upfront about your living status to see which options are available to you.
How Do You Add A Dependent On Stride
When you start your health insurance search on Stride, youll enter your zip code and then be prompted to add any family members you wish to include on your plan. If applicable, first add your spouse. Then, select Add Dependent for the child or relative you claim as a dependent.
Already searched for a plan and wish to add dependents retroactively? Just click the Build Health Profile section on the left-hand side of the page, and select Basic Information.
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If An Adult Child Is On A Parent’s Health Plan And Has A Baby Can The Baby Be Added To A Health Plan
A handful of states mandate that grandchildren must be eligible dependents, according to the Council for Affordable Health Insurance.
But you’re more likely to find that the coverage won’t extend to the baby. Instead, the child’s parent will have to get a plan for the child. Some options include an individual, Medicaid or Children’s Health Insurance Program plan. Medicaid and CHIP are federal/state programs that cover low-income people, including children. Check with your state about eligibility.
Having A Baby: Javier Adopts A Little Girl
Javier, 38, and his husband live in Miami, Florida. They just adopted a three-month-old girl, Lucía, and want to give their daughter the best of everything. Right now, Javiers high-deductible health plan only covers him and his spouse. But he can easily change that. When you welcome a child to your family through birth or adoption, thats considered a qualifying life event. After he brings Lucía home, Javier contacts his health plan to inform them of the event and chooses a lower deductible plan suitable for his entire family.
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Can I Be Added To My Boyfriends Health Insurance At Best Buy Even If Were Not Married
In a time when health insurance costs are continually rising, some people are wondering how to game the system to secure better coverage without breaking the bank. One option might be piggy backing off of your significant others employer-provided health insurance. Best Buy is one of many employers that offers solid insurance for full-time employees. Can you be added to your boyfriends policy even if you arent married? Its clear that employer-provided insurance covers spouses, but what if you havent tied the knot just yet? Unfortunately you will be required to make some changes to your legal status if youd like coverage.
Legal protections for married couplesBy law, Best Buy and other employers are required to provide employees with coverage. This coverage also includes the ability to add a spouse to their insurance policy. This isnt free, of course. To have an additional person covered, the employee must pay a bit more each month. Still, this is much cheaper than trying to buy a separate policy out on the market today.
While there are regulations that force employers to provide coverage for spouses, the law is not as robust in protecting the rights of non-spouses. Because Best Buy is not required to provide coverage for partners who are not married, the company has chosen not to do so. You wont be able to automatically score this protection just because your boyfriend happens to work for Best Buy.
Register A Student Dependant
Students aged 21 to 25 can remain covered under an existing family membership while undertaking a full-time study workload through a school, college, TAFE or university.
You must register student dependants as soon as they turn 21 and again in the new student year to ensure continuity of cover.
The registration form is to be completed by the policyholder for each student year commencing 1 March for all student dependants included under the family membership.
Registration is to be renewed annually before 1 March. Please inform Health Partners immediately of any changes in the student dependants circumstances.
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Are My Doctors Covered By This Plan
Health insurance companies work with different doctors and clinics to help you get the best deals on your care.
Getting care from a person or place your plan covers saves you money. On the other hand, getting care somewhere else may mean your health plan pays less, leaving you with bigger bills. Thats why youll want to check that the doctors and clinics you expect to visit will be covered by the health insurance plan youre considering.
Related questions to ask:
- How big is the plans coverage network? What kind of network is it?
- Is my current doctor covered by this plan ?
- How much will I pay if I see a doctor who isnt covered by this plan ?
- Do I plan to get out-of-network care? Am I willing to switch doctors or locations if the ones I want arent in-network?
How Do I Name A Beneficiary
If you wish to, you can name your beneficiaries when you purchase your policy. You should discuss your plans with your beneficiary. You should decide if the beneficiary is revocable, or irrevocable.
- Revocable beneficiary: you can change the beneficiary at any time without telling them.
- Irrevocable beneficiary: you must have written permission from the irrevocable beneficiary before you can make any changes.
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Change Of Residence: Gwen Moves Her Family Across The Country
Gwen, 46, is a single mom three boys in Raleigh, North Carolina. She just got some great news: Her employer has offered her a promotion overseeing a large sales force in Los Angeles. Her current plan features a robust network of health care providers in Raleigh, but none in Los Angeles. While not every change in residence is considered a qualifying life event, Gwens move outside her plans service area is. Gwen notifies her human resources department that she’d like to switch health plans so that finding covered providers near her new home won’t be a challenge.
If youve got questions about health savings accounts, read all about FSAs and HSAs.
Other changes in residence include:
- Moving to a different ZIP code or county
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they live and work
- Moving to or from a shelter or other transitional housing
Who Can Be On Your Health Plan
Ensuring that your loved ones have health insurance is a top priority. But who can you put on your health plan?
The Affordable Care Act extended the age for children to get coverage on a parents plan. Also, the Supreme Court expanded coverage to same-sex married couples when it legalized same-sex marriage.
Beyond federal and state law, employers and insurance companies have their own rules. So, it can get confusing.
- If you have a family member who is eligible to be claimed as your dependent on your tax return, you can add them to your health plan.
- If you and your spouse are legally separated, they can remove you from their health insurance plans.
- Same-sex partners can also purchase health insurance with spousal coverage through the health insurance marketplace.
- The ACA lets parents to cover their children and provide medical coverage, whether biological, adopted, stepchild or foster.
Here’s what you need to know about adding people to your health plan.
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More Answers: Who To Include In Your Household
- What if Im single without dependents?
- If you arent claimed as a tax dependent by someone else and have no tax dependents yourself: Count only yourself in your household.
- If you are claimed as a tax dependent by someone else: Youre counted as part of their household, not your own.
- Do my spouse and I have to file taxes jointly to get Marketplace savings?
Yes, with certain exceptions.
- If youre married and will file a joint federal tax return for the year you want coverage: Youre eligible for a premium tax credit and other savings if you qualify based on your income and other factors.
- If youre married and will file separately for the year you want coverage: You can enroll in a Marketplace plan together but youre not eligible for a premium tax credit or other savings, and you may have to complete a separate application.
- If youre married and plan to file as head of household for the year you want coverage: You can say youre married, and wont file a joint return, on your Marketplace application. If you meet other criteria, like living separately from your spouse, well then ask if youre planning to file as head of household. Youre eligible for a premium tax credit and other savings if youre planning to file as head of household and you qualify based on your income and other factors. See IRS rules for filing as head of household.
- See the next question for an exception for victims of domestic abuse and spousal abandonment.
Can I Name My Estate As Beneficiary
If you name your estate as beneficiary, the death benefit will become a part of your estate. The funds will be used according to the terms of your will. If you choose this option, keep in mind that the death benefit will be subject to estate administration tax. The estate administration tax is charged on the total value of your estate, including all property, possessions and financial assets. Creditors may claim the death benefit to pay for any outstanding debts. This could result in your family receiving less money than they would if you named them as beneficiaries.
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