Under a typical group health plan, 'dependents' eligible for coverage generally include:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Group health plans commonly offer dependent coverage that includes the employee's spouse and eligible children, with the specific definition set by the plan and by applicable law (CIC Section 10270.65). California law also requires group health insurers to offer coverage to registered domestic partners on the same basis as spouses (CIC Section 10121.7). Dependents must bear a qualifying relationship to the employee; the plan defines who qualifies, subject to the statutory floor. The definition is usually set out in the master contract, and plans may impose eligibility requirements such as marriage dates or the age of children, which the employee must document when adding dependents.
Why the other options are wrong
- B) Dependent coverage is a standard feature of group health plans; family members are routinely included.
- C) Coverage is limited to qualifying relationships defined by the plan and law; naming anyone regardless of relationship is not permitted.
- D) There is no age-6 cutoff for dependent eligibility; children generally remain covered through the plan's and statute's age limits.
Memory hook
Dependents = spouse and kids as the plan draws the circle. In California the circle also includes registered domestic partners.