In the dictionary, being dependent means to depend on or show dependence. This description can take on several meanings depending on the context.
When we talk about health insurance, being dependent also takes on a specific meaning, just look.
What is a dependent on the company health plan?
Before going into this definition, it is worth explaining what a holder is – which is the person who is directly to the company buy phone number list that the health plan (partners and employees, for example).
Dependents must be to the policyholder in some way (by blood or otherwise) and can benefit from the health plan. This is the case for spouses or partners, for example.
Does the company health plan accept dependents?
Not all health plans accept dependents, except in cases where the law requires it, such as children under 12 years of age and do business with you newborns in the case of plans with obstetrics.
Each health insurance company (company that offers the plans) can establish its own rules, as long as they are clear in the contract – hence the importance of reading everything carefully and clarifying any doubts before signing.
Who can be a dependent on the company health plan?
The ANS (National Supplementary Health Agency, which regulates the sector) has some guidelines for the inclusion of dependents in corporate health plans.
According to the ANS, relatives up to czechia businesses directory the second degree of kinship by affinity and up to the third degree of consanguineous kinship may be . Then see the following list.
It is worth remembering that this list indicates who can be as a dependent, but health plans are not to accept all of these people, okay? Each provider has its own rules, which should be clear in the contract.
Who can be a dependent on the Alice corporate health plan?
Anyone who has Alice’s corporate health plan can include
- Children;
- Spouse or partner;
- Stepchildren.
They can all enjoy the benefits of having Alice’s Health Team, with nurses and doctors available 24 hours a day, 7 days a week, as well as national coverage and a first-class network.
What is the maximum age to be a dependent on the health plan?
If the dependents in question are children or stepchildren, the maximum age for inclusion is usually 21 or, if they are attending college, 24.
There is no age limit for spouses, parents and in-laws. It is always important to check what your contract says on this subject.
Do dependents to fulfill the same waiting period and CPT as the plan holder?
It depends on the case. Dependents do not to complete the waiting period that the holder has already if they are
The holder’s deficiencies can be when dependents are minors under 12 years of age who have been adopted and newborns whose parents or adoptive parents have a plan that includes obstetrics, as long as registration occurs within a maximum period of thirty days after the birth or adoption.
In other cases, dependents must comply with the waiting period normally. If dependents have any pre-existing injury or illness, the health insurance company may also apply Temporary Partial Coverage (CPT) , which is a restriction specifically to these pre-existing issues for a period of up to 24 months.
How to include dependents in the company health plan?
First, check with your carrier to see if inclusion is permitted. If so, simply request it and check which documents need to be. This documentation will depend on the degree of kinship.
Inclusion can happen when signing the contract or later, if the contract allows it.