FAQ: Family Members
Yes. Your eligible family members (or “dependents”) may include your spouse or “spousal equivalent” (a same-sex or opposite-sex partner you have lived with for at least four months) and your children up to 26 years of age.
There are several rules about enrolling family members:
- You must provide requested documentation to prove that your family members are eligible.
- You must purchase your family members’ insurance for the same time period as your own coverage. For example, if you choose annual coverage for yourself, your family members must also enroll for the whole year.
- If you waive Extended Plan coverage for yourself, you cannot buy Extended Plan coverage for your family members.
- Go to the Gallagher website.
- Log in (if you haven’t already), by following the link you received in an email from Gallagher Student Health (Subject line: “Verify Your Gallagher Student Health Account”).
- On the left, click “Enroll”
- If you have a spouse, partner, or spousal equivalent you wish to enroll, select enroll spouse/partner and follow the prompts.
- If you have children you wish to enroll, select “Enroll Child,” and follow the prompts.
- Click “Submit.”
You can add eligible dependent(s) outside of the waiver/enrollment period ONLY if one of these qualifying events occurs:
- You get married, and you want to add your new spouse.
- You have a child, and you want to add that new child.
- Your family member enters the country for the first time, and you want to add that family member.
- Your family member loses coverage under another insurance plan, and you want to add that family member.
In such cases, you must log on to the Gallagher website to submit a “Dependent Petition to Add” form and supporting documentation within 60 days of your family member losing insurance coverage or within 30 days of any other qualifying event. If approved, your coverage will start on the date of the qualifying event. Requests that miss the deadline will not be processed.
No. You need to be enrolled in an MIT health insurance plan before you can buy that plan for your spouse and children. So, if you want your spouse and children to be covered by the Extended Plan, you need to be covered by the Extended Plan, too.