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购买医疗保险"Eligible Dependents"包括父母么?

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88 个主题 | 669 个回复 | 最后更新:2026-4-14 10:51

由于美国的医疗费用非常昂贵,所以购买医疗保险时非常有必要的。如何在美购买医疗保险?如果公司购买保险,要如何使用/报销医疗费用?不同情况的医疗保险使用都是不一样的。总汇大家的心得体会,提供在美医疗保险相关攻略。

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本帖最后由 zhangnana1020 于 2014-7-11 17:34 编辑

如题。节选如下。重点解读蓝色、斜体、有下划线的字体部分。

HEALTH CARE AND INSURANCE PLANS

Eligible Dependents
In addition to employee coverage, your dependents are also generally eligible for coverage under the Medical Plan. When you enroll for coverage, you need to certify online that your dependent meets the eligibility requirements. You will then be asked to provide acceptable documentation supporting eligibility. Eligible dependents generally include:

  • Your spouse* or domestic partner; and
  • You and/or your spouse/domestic partner’s children
  —Up to the end of the month in which they turn 26
  —Can be covered regardless of student or marital status, financial dependence on parents, residency with parents, or eligibility for coverage under another health plan

*  The U.S. Supreme Court and federal regulatory agencies recently ruled that same-sex couples who are legally married under state or foreign law will be treated as married for federal tax purposes. This means that firm benefits will consider you as married, regardless of the sex of your spouse.

Please Note: You may continue coverage beyond age 26 for an unmarried child who is not capable of supporting himself or herself due to a mental or physical disability that began before the age limits described above and who is fully dependent on you for financial support.

Domestic Partners
To qualify as an eligible dependent under the U.S. Benefits Program, you and your domestic partner must meet all the following conditions:
1. Be age 18 or older; and
2. Not be legally married to, or the domestic partner of, anyone else; and
3. Have lived together for at least six months; are currently living together; and have a serious, committed, romantic relationship; and
4. Be financially interdependent (share responsibility for household expenses); and
5. Not be related to each other in a way that would prohibit legal marriage;
OR
Have registered as domestic partners pursuant to a domestic partnership ordinance or law  of a state or local government, or under the laws of a foreign jurisdiction.
For additional information on covering domestic partners, please review the information on  My Health.

Be Sure Your Dependents Are Eligible
You are responsible for understanding the dependent eligibility rules and abiding by them as well as providing acceptable documentation when requested. When you first enroll and each year during your designated enrollment period, or within 31 days following a qualified status



上一篇:咨询 打MMR第二针
下一篇:再来问一个牙医保险。。。
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 楼主| zhangnana1020 2014-7-12 02:10:57 | 只看该作者
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在美国公司已工作的同学有遇到这种情况么?即为父母购买公司提供的家属医疗福利保险参保计划。

刚才打电话咨询了一下旧金山纽约人寿保险公司一位华人经理,他说一般公司都会有为员工的配偶、子女提供医疗保险福利性质参保计划,父母也有,但不多。他答应帮忙看看这份公司福利参保电子文件。
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