State Group Health Insurance

How to add eligible adult children under age 27:

1. Review Adult Children's Eligibility for 2012 Health Insurance, which includes a detailed explanation and eligibility table. Adult children are eligible for coverage under the following conditions:

   • Child's Age 19-26

     Eligibility: Child must not be enrolled in other group coverage.

     Eligibility End Date: End of the month the child turns 26

     Note: A married child's spouse and children are not eligible.

   • Child's Age 26-27

     Eligibility: Child must be unmarried and not eligible for other, less expensive, group coverage.

     Eligibility End Date: End of the month the child turns 27, or end of the month in which the child gets married, or end of the month in which the child becomes eligible for less expensive group coverage through his or her own employer (whichever occurs first).

   You can add your adult child upon any of the qualifying events:

   • Adult child's loss of other health insurance coverage.
   • Loss of employer contribution for adult child's other coverage.
   • Increase in adult child's employee contribution share that exceeds the additional premium amount you are required to pay to insure your adult child on your policy.
   • Adult child's divorce.

   You must submit the application to add your adult child within 30 days of the qualifying event and coverage for your child will be effective on the date of the event. If there is no qualifying event, you can still add your adult child, but coverage is limited to the Standard Plan with a 180-day waiting period for pre-existing conditions. The waiting period applies to your newly added dependent(s). Establishing full-time student status and a change in tax dependent status are not considered qualifying events. During the annual It's Your Choice enrollment period, you will have the opportunity to add your eligible adult child for coverage effective in the next calendar year, starting January 1.

2. Review the Imputed Income and Health Insurance Benefits page.

3. To add an eligible adult child to your health plan, complete a new health insurance application. Submit your completed application to your benefits coordinator or your campus benefits office. Retain a copy of the application for your records. Health insurance coverage for your adult child(ren) will start on the date of the qualifying event.

   Application | Submit to your Payroll & Benefits Office

   Health Insurance Application/Change Form, ET-2301

   Use Adobe Reader to open and complete PDF forms.
   MAC Users: Do not use "Preview", a PDF reader.

Eligibility for Adult Dependent Children Age 27 and Older

Adult dependent children 27 years or older that are not married are eligible for coverage when they are:

Disabled: incapable of self-support because of a physical or mental disability that is expected to be of long-continued or indefinite duration and dependent on either parent for at least 50% of their support and maintenance (see IRS Publication 501 for worksheet). Note: Your health plan may require you to verify your disabled child's eligibility each year.

or, Returned from Military Duty: a full-time student who was previously called to federal active duty when under the age of 27 years and while attending an institution of higher education on a full-time basis. The child must have applied as a full-time student within 12 months of discharge.