Adult Child Eligibility (ACE)

Is there any cost for adding an adult child to my coverage?

The answer depends on the coverage your Collective Bargaining Agreement (CBA) provides. If your CBA provides only family coverage, Adult Child Coverage will be available at no additional cost to you. If your CBA allows you to choose among multiple tiers of coverage (e.g., single, single plus one dependent, etc.), you may be required to pay an additional amount to your employer to cover any new dependents as outlined in your CBA.

What is an adult child under TeamCare?

An adult child is defined as your child starting on the child’s 19th birthday until they reach age 26.

Do adult children have to be students to qualify for Adult Child Coverage?

Qualified adult children under the age of 26 will be covered by TeamCare, regardless of their student status.

Provided that either you or your spouse are eligible for either Retiree Health Plan RU or RV, a child will be covered to age 19, or until they reach age 26 if they are a qualified student.

Can my married adult children receive coverage?

Yes. A married adult child under age 26 qualifies for the Adult Child Coverage, but the coverage does not extend to the adult child’s spouse or children. Beginning January 1, 2014, your adult child can qualify for Adult Child Coverage even if he/she has other insurance available (whether elected or not) through their employment or their spouse’s employment. TeamCare will provide secondary coverage on qualified adult children until they reach age 26.

My spouse and I both work and have insurance coverage; however, my spouse’s coverage is primary on all our children. Will TeamCare pay secondary on qualified adult children under age 26?

Yes. TeamCare will provide secondary coverage on qualified adult children until they reach age 26. 

Can my adult child have a job and remain covered through our group family coverage?

Yes. Beginning Jan. 1, 2014, your adult child can qualify for Adult Child Coverage even if he/she has a job with other insurance available (whether elected or not) through their employment. TeamCare will provide secondary coverage on qualified adult children until they reach age 26 who have their own employment based coverage.

My adult child has a job, but the employer does not offer health insurance. Can I put them on my plan?

Yes. You may add the adult child to your plan until they reach age 26.