If you marry someone who has kids from a prior relationship, they are as much a part of the family as any biological children you share. However, whether your health insurance provider sees it that way will depend on the circumstances. Here's what all stepparents should know about providing medical coverage for the newest members of their family.

Which Stepchildren Are Eligible?

Generally speaking, stepchildren who are under a certain age are dependents, so if your plan covers dependents, it should include them too. However, if you’re on an employer group health insurance plan, coverage may only apply to biological and legally adopted children. Since there are plans that cover stepchildren by both marriage and domestic partnership—as long as they reside in your home—don’t assume your plan doesn't include them before reading the fine print.

If you purchase a plan through the health insurance marketplace, you may include all stepchildren who are dependents for tax purposes. In other words, if you can claim them on your tax return every year, you can add them in the family’s health insurance plan. 

How Do You Enroll Stepchildren in Your Plan?

The best way to add stepchildren to your health insurance coverage will depend on the terms of the plan. Doing so during the open enrollment period is straightforward. Every year, insurers host an annual open enrollment period during which they’re required to accept all eligible applicants for coverage starting in the following January. You only have to submit an application with the child’s information. 

It is also possible to add stepchildren to your plan following a significant life event, like getting married. Most insurers provide a 30 to 60-day window, known as a special enrollment period, during which policyholders can modify their existing coverage. To obtain coverage for any stepchildren during this time, you must apply and provide supporting documentation, like the marriage certificate. 

To determine if your stepchildren are eligible for your existing health insurance coverage—or to purchase a new plan that will cover them—turn to Toohey Insurance Service. Based in Somerset, KY, and serving individuals, families, and employers throughout Pulaski County, this local agency works with all the major providers. As such, they can offer a broad range of affordable products for virtually every scenario. To explore all their partners, visit their website. To request a quote, call (606) 678-0540.