How to Add a Dependent to Insurance

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Adding a dependent to your insurance policy is going to require you to contact your insurance company. Add a dependent to your insurance with help from an insurance broker in this free video clip.

Part of the Video Series: Personal & Health Insurance Tips
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Video Transcript

Hi, my name is Susan Combs, and I'm an insurance broker for Combs and Company. Today, we're going to talk about how to add a dependent to your insurance. This can be done during two different times. It can be done during open enrollment, so that's when it is your annual renewal period. I mean you are able to make changes to your plan at that time and the other time is when it is considered a qualifying event. So a qualifying event are things such as births, marriages, things of that nature. I mean there is more such as say, a spouse loses their coverage because they lost their job. Say you move and you are no longer in the coverage area, those are all considered qualifying events and you can have your dependent come on immediately. The thing to keep in mind is when you are adding on a dependent, it's really just a simple form that you have to complete and you either submit it if it's a matter of an employer that you are submitting it to, you submit the form to your employer or if it's you personally you just submit it to the insurance carrier. So it's really an easy thing but you can only do it during these two different times. So either during open enrollment or there has to be a reason. You can't just have the dependent come on just because you want them to come on. There has to be a reason behind it.

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