Aside from helping insured individuals make payments for personal medical services and other health related procedures, did you know that medical insurance in Ohio can also answer for the costs of medical services availed by your family members? When you purchase medical insurance from ohioinsurancequotes.net, you have the option to include other people in the policy as your dependents. This is particularly ideal for people with families, children, or other individuals in their lives who might benefit from the financial assistance offered by medical insurance.
How to Qualify as Dependents in Medical Insurance in Ohio
- Relationship – The reason why insurance providers allow their insured clients to avail of coverage for dependents under the same plan is because it is expected that these individuals are, more or less, related to the insured. This means to qualify as a dependent, you must possess a certain degree of relation with the policyholder. Biological children, adopted children, foster children, brothers, sisters, and a descendant of one of these such as a nephew, are all eligible to qualify as dependents. A spouse or parent can also be listed as a dependent.
- Residence – The person you are to list as a dependent should be residing in the same home as you for at least half the year. This consideration is necessary because it demonstrates that they do, in fact, depend on you for their needs. If the person lived in a different home, your insurance provider would be inclined to believe that they have a different source of support thus disqualifying them from becoming your dependent.
- Age – If the person is your child or acting as your child, they should be below 19 years of age. If they’re a full time student, they should be 24 years of age at the most. If they are permanently disabled, they can be any age.
- Support – In some instances, dependents will have some source of income that allows them to support their needs, however they should not have been able to pay for half the support they require during the year.
These parameters will make it easier for you to identify who qualifies as a dependent and who does not. When you buy medical insurance in Ohio from somewhere like this, make sure that you list at least two people as your dependents in order to make the most of your insurance policy. If you have a child, get married, or adopt during the run of your insurance policy, you can opt to make the necessary changes during the open enrollment season.