What Do You Mean It's Not Covered: Medicare Plays a Major Role

An adult person's insurance may be continued only until reaching age 65 or becoming eligible for Medicare, whichever occurs first. Coverage ends during the month that the event occurs on the day that coincides with the policy date. An example: Your 65th birthday will occur on August 20 and you would become eligible for Medicare on September 10. Even though your policy date is January 15, your coverage ends on August 15 (the day that matches the policy date during the month of your birthday). A dependent child's insurance will terminate on the premium due date after the first of these events happens: (1) the child attains age 25 (2) the child marries, or (3) the child is no longer dependent on you.

Insurance for a dependent child normally ends when the child reaches age 25 (though some policies will use other ages), gets married, or is no longer dependent on an insured adult. But coverage for a child will not end if the child is mentally or physically handicapped, remains dependent on an insured, and is not eligible for Medicare. Proof of incapacity and dependency must be given to the insurance company within 31 days of the child's 25th birthday. The insurance company may require additional proof, but not more than once each year after the child reaches age 27.