Enrolling Your Dependents

Many insurance plans allow you to cover your eligible dependents.  If you are eligible, and enroll in one of these plans, you may also elect coverage for your spouse and eligible dependent children.

Children

Dependent children include your natural children, legally adopted children, children for whom you are the legal guardian, stepchildren who are dependent on you for support, and children for whom you are the proposed adoptive parent from the date of placement.

The age limits for your dependent children to be enrolled in coverage vary by plan:

*Age limit for wards is under 24 years old if they were your ward at the time your legal guardianship expired under applicable state law. **The Affordable Care Act mandates coverage ofr certain married and unmarried dependent children to age 26.
PlanAge limits for enrolled dependent children*
Medical**
Kaiser (HMO and HDHP)Up to the end of the month they turn 26
CareFirst (POS and CDHP) and
UnitedHealthcare		Up to the end of the month they turn 26; or 30, if a full-time student
Dental
Delta Dental (Standard and Enhanced PPO)
Aetna DMO		Up to the end of the month they turn 19; or 30, if a full-time student
Vision
EyeMed Vision Care SelectUp to the end of the month they turn 19; or 25, if a full-time student
Child Life Insurance
MetLifeFrom 15 days of age until age 23; or 25, if a full-time student. Excludes children for whom the employee is the legal guardian.
Voluntary Insurance
MetLife Accident, Critical Illness,
Hospital Indemnity Insurance		Up to the end of the month they turn 26

Legally Domiciled Adult (LDA)

For medical, dental and vision coverage only, instead of covering a spouse, you may cover another qualified adult member of your household.  A qualified adult member of your household can be enrolled as an LDA as long as they:

  • Are at least 18 years of age;
  • Not currently eligible for group insurance or receiving benefits elsewhere;
  • Have shared the same principle residence with you for at least six months and remain a member of your household throughout the period of time you cover them under your Georgetown University-sponsored medical insurance;

    and who either:
  • (A) has a close personal relationship with the employee (not a casual roommate or tenant), shares basic living expenses and is financially interdependent with the employee, is neither legally married to anyone else nor legally related to the employee by blood in any way that would prohibit marriage, and is neither receiving benefits from an employer nor eligible for any group coverage, or
  • (B) is the employee’s blood relative who meets the definition of his or her tax dependent as defined by Section 152 of the Internal Revenue Code during the coverage period and is neither receiving benefits from an employer nor eligible for any group coverage.

You cannot have medical, dental or vision coverage for both a spouse and a LDA.

There may be tax and other legal implications for those who elect coverage for a LDA.  You are encouraged to consult with an attorney before electing LDA coverage.  For more information visit Frequently Asked Questions.