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Covering the Keiki: 3 Must-Do’s Before Adding Dependents

September 27, 2016 Sara Fossum

Is the size of your ‘ohana growing?

From coordinating babysitters to watching them graduate, there’s never a dull occasion. But amid the first steps and loose teeth, there are the less-exciting moments – like adding them to your benefits plan. Let us help you through this process so you can get back to what’s really important.

Follow these 3 steps before adding your keiki to your plan:

1. Understand your current plan.

Does your plan accommodate dependents? If you have a single or two-party plan, you may have to switch to a family plan. Log in to learn more about your plan details.

2. Check eligibility.

As defined, a dependent is “a person who relies on another for financial support.” When it comes to insurance plans, dependent refers to a spouse, children under a certain age and family members with a disability. Check with your plan administrator for more details

Outside of open enrollment, children can be added to a plan 30 to 60 days after a qualifying life event, like birth or adoption.

3. Determine the costs.

Keep in mind: adding your little ones to your plan could potentially increase your rates and change your deductible and premium. If you’re covered through your job, you may notice a slight difference in your paycheck.

But don’t be deterred by a change in price! Investing in coverage and oral health now can save you and your ‘ohana money in the future.

Have any questions? We’re here to help!

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