Dependent on health plan: know the rules
Having a health plan means having more safety and comfort for a lifetime. A health plan offers a number of advantages. And, of course, headlines want to extend this to their family members.
A fairly common question of who has the benefit is knowing how the inclusion of dependent health plan works.
Like any other contract, the inclusion of dependents has rules. In this post, we have gathered some information about the theme to help you. Enjoy and also know a little more about the validity of the business health plan.
Learn more about dependents in the Health Plan
The beneficiaries of health plans are mostly linked to companies. Many consider it an attractive position not only for salary, but also for the benefits offered. Among these benefits are: transportation assistance, food and health insurance.
Therefore, in most cases, the holder must take into account that the plan contracts involve, in addition to the operator, the company contracting the benefit. When there is a need to include dependent on the health plan, the first thing to do is to read the contract carefully.
You need to understand exactly what was hired. Especially in cases where the plan is business, seeking in the text a specific clause on inclusion of dependents. If the inclusion of dependents is included in the contract, it must inform how to include the persons in the agreement.
The contract must also indicate if there are costs or deadlines to be met. If the holder wishes to change the plan.
Who can be dependent on the health plan?
It is important to know that the dependent can not be any person the holder wants to include.
According to legislation of the National Agency of Supplementary Health (ANS), it may be dependent on the health plan: relatives from 1st to 3rd degree consanguineous (children, parents, uncles, nephews, grandchildren, grandparents, etc.), spouse or partner or partner in stable union) and relatives by affinity (in-laws).
It is also worth mentioning that the couple who have a proven stable union have the right guaranteed, regardless of whether the partner is of the same sex or not. Check specific rules for inclusion of dependents in stable union.
In the video below you will find out more about how the inclusion of dependents in the health plan works.
Is there a minimum or an age limit for the children?
Also be aware of the age limit of the children. Many plans set an age limit for first-degree dependents of the holder. In some cases, the child is no longer dependent on the plan at age 21. But there are contracts that extend that age.
The continuity will depend on the policy adopted and negotiated by the contracting company (for business health plan) and the rules of the operator of the plan. The children of health plan beneficiaries have a guaranteed right to join the parental plan from birth.
This right is equivalent to adoptive, foster or stepchildren, and it is only necessary to prove the bond.
What do I need to do to include dependents?
The health plan operator will always request documents to prove the link between the holder and the potential dependent.
This documentation will depend on the degree or type of connection between the two. It can be requested from a Birth Certificate, for children, as a Declaration of Stable Marriage or Certificate of Marriage, for the spouses.
Personal documents, such as RG, can also be requested. Consult your plan’s carrier to find out how much time it takes to evaluate and include dependents. Do not forget to ask about possible costs or grace periods to consider before making the change.