Dependents on an application can not be declined for coverage, regardless of health status, if the parent is offered coverage. Although they can not be declined, underwriting can still rider and/or rate up the dependents.
The New Illinois Dependent Underwriting Guidelines are as follows:
1. As of 6/1/09, health insurance carriers will not decline any dependents in the state of Illinois, regardless of health status. This includes new applicants submitted as of 6/1/09, as well as any applicants that are already submitted and are in the underwiring's queue period.
2. Underwriting can and will still rider and/or rate up the dependents appropriatily based on the applicant's risk.
3. Child only applications are not impacted, the health insurance carriers can still decline for health conditions on a child only application.
4. If the primary (and spouse if applicable) are declined, the dependents can then be declined as well. The health insurance carriers are only obligated to offer coverage to the dependents if the parent or parents are both approved and offered coverage.
You compare and apply online for health insurance in your state, please visit www.gizmohealth.com.
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