If you're married can your parents still put you on their health insurance?

Question

I got married when I turned 18 in Las Vegas to a Marine, so there was really no need to worry about insurance because I was already covered through him. We decided not to tell our parents because they would not approve of a shot gun wedding and we actually want to have a real one some day. Now that he's out of the military I am no longer covered through his insurance and at the moment we're both going to school full time with part-time jobs that do not offer insurance. My mom offered to put me back on her plan, but I am almost sure that I cannot be put back on...or can I? And if she did try to put me back on would it come back to her that I am married?

Answer 1

NO.   You are married and do you think the insurance company is just going to take your word for it?  Once they run you SS# all will be revealed.  Parents can only carry disabled kids (forever) or unmarried kids until they graduate from high school or reach 19.  Are you living with your husband?  I would rather my mom knew I was married rather than thinking I was just shacked up.  A shot gun wedding implies you were pregnant....if you have a child and a low income you may be able to get medicaid.  A bit more info would help.  GOOD LUCK.

Answer 2

When you are married, you are no longer considered a dependent.

If you are married, did you change your name? If so, it doesn't match the one your mom will list with your social security number on the enrolment form.

Even more important though--if you did get coverage it will eventually be found out by the insurance company and you will owe them back all the payments they paid out for your health care.

Not even taking those two items into account, or the fact that you are lying to a woman who would be kind enough to pay for your insurance, if you go through with this, it is fraud. That's a pretty serious charge.

You parents will have to know you are married if they had intended on claiming you as a dependent on their taxes. I'm sure the IRS knows you are married.

Answer 3

You're not her dependent any longer.... So, no, you probably can't be on her insurance legally....

Answer 4

Regardless, you OWE your mother more respect.  The advantages of adulthood carry responsibilities.  Grow up and quit living the lie.

Answer 5

It would depend on her specific policy...but I suspect you are right.

Answer 6

I am not an expert on the subject, but I do know that some (a lot) of medical plans through employers do offer entire family coverage, of course at expense to the employee. Also for the fact that you are in school should also help the situation of being entitled to be on your parents medical plan. Lots of luck. It's important to have medical coverage in this day and age no mater what your age!