Subsidized Insurance Plans
In the realm of college health insurance, understanding the coverage for dependents is crucial. Here's a breakdown of the key points regarding dependent coverage and COBRA continuation at the university.
First and foremost, it's important to note that dependents can be a covered employee's spouse or unmarried child. This includes biological, step-child, adopted, or foster children. The age limit for dependent health insurance, vision, and dental coverage is 26 years. However, there are exceptions for disabled dependent children.
If a dependent child is disabled, they may remain on the health plan beyond age 26, as long as the employee remains an active member. The university retains the power to alter the definition of "Dependent" at its discretion, but it is currently defined as a covered employee's spouse or unmarried child under the age of 26.
The Plan may require proof that a spouse qualifies or continues to qualify as a dependent, and the Plan Administrator may require proof of the child's disability and dependency at reasonable intervals. The Plan Administrator reserves the right to have the dependent examined by a physician of their choice.
After two years, the Plan Administrator may require annual proof of the child's disability and dependency. The university has the right to change the definition of "Dependent" at any time, but any changes will be communicated accordingly.
When a dependent loses coverage at age 26, they will be offered COBRA continuation of their health care. COBRA continuation can be kept up to 36 months, but the entire cost of COBRA continuation must be paid by the continuing person.
It's essential to note that if both parents are employees, their child(ren) will be covered as dependents under one employee, not both. Information about COBRA continuation can be reviewed or the Department of Labor website can be visited for more details.
In conclusion, understanding the dependent coverage and COBRA continuation at the university is vital for ensuring continuous health insurance for dependents. Always refer to the university's official communication channels for the most accurate and up-to-date information.
