(Closed) Dependents

posted 7 years ago in Military
Post # 3
Member
5978 posts
Bee Keeper

Hi there – so I’m not in the military, but I do know a lot about health insurance, and unforuntately, the military is correct. You can’t add a dependent to your plans unless they are your child, step-child or adopted child. If he has legal guardianship over your children, he could add them, but that would mean that you are giving up your parental rights to the court.

Sorry for the bad news! 

Post # 4
Member
281 posts
Helper bee
  • Wedding: September 2010

They probably can’t be now since you aren’t married yet, but should be able to be once he’s their step-father.  I was my step father’s military dependant, as was a friend of mine and her brother, and none of us were adopted.  Of course, that was many years ago, but I doubt it has changed that much.

Post # 6
Member
2496 posts
Buzzing bee
  • Wedding: January 1991

I believe that he would have to have legal guardianship of them in order for him to register them in DEERS.  He would have to prove that he is listed as one of their legal guardians.  Unfortunately, it doesn’t matter what their relationship is to you… the military only cares about how HE is connected to them. ๐Ÿ™

However, he could pursue legal guardianship/adoption, then once he has proof that he is a legal guardian, they could be then added as dependents in DEERS.  We don’t have children, but when DH joined, we had to wait until we had legal proof that we were married before I could be listed as his dependent.

Post # 7
Member
54 posts
Worker bee
  • Wedding: June 2011

For non-military, I’m pretty sure I was covered by my step-father’s insurance at some point, and he hadn’t adopted me or anything.

I could imagine the military being more strict, though. :/

Post # 8
Member
2373 posts
Buzzing bee
  • Wedding: July 2008

I’m a naval officers wife and from the people I’ve come in contact with step children will have the same benefits as biological children. When your fiance/husband takes you to enroll in DEERS bring the children and enroll them as well.  Make sure you have all the required info to enroll (Spouses will need to present a photo ID, social security card, marriage license and birth certificate. Step children need child’s birth certificate, social security card and parent’s marriage certificate- both will need Form DD 1172)

 As far as them being “dependents” the only thing that really matters is health/dental care. There is this common misconception that the more children you have the more money you get- that’s not true. You’re his dependent so he will begin to recieve dependent-BAH (vs single BAH) if you’re living off base. Other then that, everything is the same.

 I’m guessing your fiance may not have actually gone to admin office and instead asked someone because they would have told him this- they deal with these kind of questions all day ๐Ÿ™‚

Off tricare’s website (shortened version: Step children can obtain coverage, but if you divorce the children lose coverage):

Unmarried children up to age 21 (including stepchildren who are adopted by the sponsor) are still covered by TRICARE even if the spouse gets divorced or remarried. But in the case of a stepchild who was not adopted by the sponsor and the marriage ends in divorce, the stepchild loses eligibility on the date the divorce decree is final. It should be emphasized that stepchildren don ’t have to be adopted by the sponsor to be covered by TRICARE while the sponsor and the mother or father of the stepchildren remains married. A child aged 21 or over may be covered if he or she is severely disabled and the condition existed prior to the child ’s 21st birthday —or, if the condition occurred between the ages of 21 and 23 while the child was enrolled in a full-time course of study in an approved institution of higher learning and is, or was at the time of the sponsor ’s death, dependent on the sponsor for more than one-half of his or her support. A child may also be covered up to the 23rd birthday if he or she is in school full-time.

 

Post # 10
Member
2373 posts
Buzzing bee
  • Wedding: July 2008

@Bride 2011: You’re welcome. I know my husband, and I know sometimes he has a tendency to be lazy and ask the wrong people- it drives me nuts ๐Ÿ™‚

Post # 11
Member
64 posts
Worker bee
  • Wedding: April 2011

I have just done this personally and both my children are registerted as dependants in Deers. You must have the children more than 50% of the time to be dependants which can be shown by the visitation order. The only question I was asked was do you have primary custody? I have an order with me being the primary residential parent and the father having visitation only everyother weekend.

Post # 12
Member
2906 posts
Sugar bee
  • Wedding: July 2011

1st lesson in joining the military family: never trust some person that tells you something through the grapevine. They will tell you that it (whatever it is in the situation) is impossible.

No one will do the work for you.

 

HOWEVER if you go to the right department and ask the right questions, they will take care of you. You have to educate yourself to know where to go. And make friends with other military spouses—they know the ropes.

Post # 13
Member
2373 posts
Buzzing bee
  • Wedding: July 2008

@Mrs.Pollietobe: I know a woman who doesn’t have primary custody (children live in another state with dad) and both are enrolled in DEERS/have Tricare. Maybe she slipped through the cracks!

Post # 14
Member
5154 posts
Bee Keeper

This is not true unless it differs by branch. MY Fi (secretly hubby) has not adopted my daughter and she is under his insurance. She has her own dependent card and everything! You need to talk to someone else, or your FI is not giving you the correct information. 

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