Some employer-sponsored plans may also allow you to cover the children of your domestic partner. If you are able to add your girlfriend and her son to your health insurance plan, be prepared to sign an affidavit and give proof of your connection. You will need to provide evidence of either your marriage or your relationship with the person who is giving birth (a letter from them saying they are married, for example), as well as proof of their relationship to you (ID, social security card, etc.).
If your employer's plan does not have a domestic partnership option, see if your insurer offers coverage through another carrier. If so, ask what the requirements are for adding additional family members to your policy and if there are any extra fees for doing so.
It is important to understand that although health insurance policies must provide coverage for all eligible individuals in a household, they are allowed to limit who can be covered. For example, some policies may not cover unmarried partners or parents of other people's children. It is best to check the details of your company's policy before you sign up so there are no surprises later on.
As long as you and your boyfriend/girlfriend meet the criteria for being covered under the same policy, then yes, he can add your son to his insurance plan.
Unfortunately, the answer is almost certainly "no." Most insurance policies require you to be married to include a partner under your coverage, while some states provide an exemption for common-law marriages. If your girlfriend is not legally able to sign contracts or receive medical care without her consent, she cannot be included as your dependent.
If you have pregnancy-related coverage through your employer, they may offer a benefit called "pregnancy insurance" that can help cover the costs of delivering a baby and recovering from childbirth. This type of policy can be very useful for parents who don't have any other form of health coverage. For example, a couple might be able to afford a down payment on a house with their earnings plus the salary of his pregnant wife's income! However, these benefits are usually only available to employees, not independent contractors or freelancers.
As you can see, there are many reasons why your pregnant girlfriend shouldn't be included as your dependent. If you want to keep her on your insurance plan, you will need to find another way to pay for her healthcare expenses. Perhaps you could both move in together and get separate rooms? That would probably be the easiest solution if you aren't married or in a committed relationship.
Your adult children can join or remain on your plan under the law, regardless of whether they are married, living with you, in school, or financially reliant on you. While your adult kid must have coverage, the health plan is not obliged to include your child's spouse or children. The only time it would be illegal for an insurer to provide coverage for your adult child is if that person has been determined to be "uninsurable."
If your child becomes ill and cannot work, their health coverage will help them pay for their medical bills. If they do not have coverage, they could be forced to choose between buying health insurance or paying for their own care. This is called "coverage gap" and it's why many people think it's important for all adults, including young adults, to have some form of health insurance.
The reason your child can't be denied coverage because of a preexisting condition is called "guaranteed issue". If your child wants to stay on their parent's policy, they just need to show ID that proves they are alive. Even if someone denies them coverage initially, if they later apply and are accepted, there is no way to deny them coverage again once they are insured.
Children can also stay on their parents' policy if they move out but still want to be covered by health insurance.
If you live in a state that recognizes domestic partnerships, you may be able to purchase insurance for your partner. Even if your business offers domestic partner health benefits, federal law does not consider domestic partners to be spouses for tax reasons. Therefore, if you are married or living together but not registered as domestic partners, both of you would need individual policies.
To be eligible for coverage through your employer's group health plan, your girlfriend or boyfriend must meet several requirements. He or she cannot already have medical coverage; if so, you would need to cancel the existing policy before you could replace it with his or her health plan. The new relationship must also be "domestic" in nature—that is, you must either be married or live together as a couple. Finally, they must be within two years of your age and can't have any preexisting medical conditions that would cause them to be ineligible for coverage.
If all these conditions are met, then you should be able to obtain employment-based health insurance for your boyfriend or girlfriend. Of course, this depends on your employer offering such benefits. But even if your company doesn't have health plans available directly to employees, many large corporations will offer their own plans through private insurers or government organizations like Medicare or Medicaid.
In some cases, your employer may even provide incentives to hire young, healthy workers.
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