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Dependent Coverage 101

What To Do If You Receive Notice About A Dependent Audit

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As a general matter, when companies do an audit of dependents:

  • A written notice and request for information is generally sent to the insured.
  • The insured usually has 30 - 45 days to respond to the request for information.
    • If you do not respond within the stated period, your dependent may lose health coverage even if he or she fits within the definition of "dependent" in your health plan.
  • Most companies offer an amnesty period. If someone is being covered through you as a dependent who should not be covered, you will generally not be held liable for any overpayment up to that date. If you do not declare a person who is a dependent who should not be during the amnesty period, you may be held liable to pay back premiums, and possibly medical expenses, paid with respect to that person.

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