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New Jersey Health Insurance Coverage Dependent Eligibility

Dependent Eligibility

Individual health coverage may also cover your eligible family members, or dependents.

Dependent is defined to mean your:

1. Spouse;
2. Unmarried Dependent child who is under age 19; and
3. Unmarried Dependent child from age 19 until his or her 23rd birthday, who is enrolled as a full-time student at an Accredited School. Full-time student status will be as defined by the Accredited School. We can require periodic proof of a Dependent child's status as a full-time student.

In the individual plans, the term "spouse" includes an individual legally married to you under the laws of the State of New Jersey and also includes your Domestic Partner pursuant to P.L. 2003, c. 246 as well as your Civil Union Partner pursuant to P.L. 2006, c. 103 as well as a person legally joined to you in a same sex relationship in another jurisdiction if such relationship provides substantially all of the rights and benefits of marriage.

Under certain circumstances, an incapacitated child is also a Dependent.

Your "unmarried Dependent child" includes:

1. Your biological child,
2. Your legally adopted child,
3. Your step-child
4. The child of Your Domestic Partner or Civil Union Partner if the child depends on You for most of his or her support and maintenance,
5. Children under a court appointed guardianship; and
6. Any other child over whom You have legal custody or legal guardianship or with whom You have a legal relationship or a blood relationship, provided the child depends on You for most of the Child's support and maintenance and resides in Your household

Please note that the law allowing certain children to remain covered under the same group plan as a parent up to age 31 does not apply to individual plans. If you have a child who is not eligible under your policy as a dependent, he or she may be eligible to purchase his or her own individual plan.