Florida Eligibility Requirements
All applicants applying for medical coverage must meet age, dependent status and residency requirements.
Age and Dependent Requirements
Other Insured Persons may include the following family members:
- Your lawful spouse
- Dependent children are covered up to age 26. Dependent children who have reached age 26 can continue to be covered up to the end of the calendar year in which they reach age 30 provided the child does not have a dependent of their own, is a Florida state resident and is not covered under a plan of their own or entitled to benefits under Title XVIII of the Social Security Act. Cigna may require such proof at least once each year until the end of the calendar year in which he/she attains age 30.
- Dependent children, regardless of age who are enrolled prior to age 26 and are incapable of self-support due to a medically certified continuing mental or physical disability and are dependent upon the primary policyholder for support can continue coverage with written proof of disability and dependency within 61 days after the child’s 26 birthday. Cigna may require written proof of such disability or dependency thereafter.
- A newborn child or newly adopted child or child newly placed in foster care, born to or adopted by or placed in foster care with the primary policyholder, may be added to the primary policyholder’s plan within 61 days of the birth, adoption, or placement. Requests for enrollment beyond 61 days of the birth, adoption, or placement will need to wait until the next Open Enrollment Period unless there is a qualifying life event that triggers a new Special Enrollment Period.
- A child born to one of the primary policyholder’s dependent children will be eligible for coverage from birth through 18 months of age.
- Foreign exchange students are NOT eligible dependents
Please refer to the policy for additional eligibility requirements.
All applicants and dependents 18 years and older must sign and date the application.
- Must be a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and is reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which coverage is sought.
- Citizens/expatriates who have been living and working outside the U.S. and who are in process of returning to the U.S. are eligible to apply; the requested effective date must be after their return to the U.S.
- Applicants must reside in one of the following Florida counties at the time of application:
- Indian River
- Palm Beach
- Saint Lucie
- Dependents are not required to share the same address as the primary policyholder.
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