No Longer Under Family Insurance: What’s Next?

By Krista DeKuyper | June 18, 2024 | Individual Health

Transitioning out of your family insurance plan can be a daunting process, but it is crucial to ensure continuous health coverage. This article provides the essential knowledge and steps to take once you lose your family’s insurance. We will explore how long family insurance typically lasts for dependents and outline various options available to ensure you remain insured. This guide will help you navigate your insurance transition smoothly and securely. Read on to learn how to stay covered and maintain your healthcare with peace of mind.

How Long Does Family Insurance Coverage Last? 

The duration of family insurance coverage for children primarily depends on the specific terms and conditions set by the insurance policy. In Ontario, group health insurance will usually cover the dependent up to the age of 21 and up to the age of 25 if the dependent is attending post-secondary. If you are a dependent, it’s vital that you or a family member review the group insurance policy to ensure this length of coverage applies to you. Contact your insurance provider directly for clarity. 

no longer under family insurance? what's next. what families need to know.

If a dependent’s coverage through their family’s group insurance plan is about to end, they may still have coverage through the provincial Health Insurance Plan (OHIP). Read on to learn more about the ways dependents may be covered without your family’s group insurance. 

Options After Losing Family Insurance Coverage 

Losing family insurance coverage doesn’t mean the dependent becomes completely uninsured and needs to pay entirely out-of-pocket moving forward. Here is where you could be covered after losing your family’s group insurance plan: 

  • Ontario Health Insurance Plan (OHIP): Dependents should verify they are enrolled in the Ontario Health Insurance Plan (OHIP). OHIP covers many basic healthcare services such as visits to the family doctor, hospital stays, and emergency services. Keep in mind that OHIP does not cover dental care, vision care, or travel. Learn more about how OHIP coverage works. If the dependent is a student studying outside of Ontario, they may still be covered by OHIP. Check the specific requirements and duration of coverage.
  • Employer Coverage: The dependent’s employer may offer a health insurance plan. Many workplaces provide benefits that can include medical, dental, and vision coverage. Though this will generally only apply if the dependent is working full-time as a permanent employee, it may also depend on how long they’ve been working there. Some workplaces will only offer employee benefits after the individual has worked for 90 days. 
  • Post-Secondary Student Plans: If the dependent is a student, they can check if their college or university offers health insurance plans. Most post-secondary institutions offer health plans to their students, which can cover a range of healthcare needs. The level of coverage may be limited, so contact your institution to learn more about your insurance’s terms. 
  • Private Health Insurance: Look into private health insurance plans. Companies such as Manulife and Sun Life offer individual health plans. Compare different plans to find one that suits your needs and budget.

Advice For Transitioning Out Of Your Family Insurance Plan

transitioning when you're no longer under family insurance, what's next?

There are a few aspects to keep in mind when it comes to transitioning from a family insurance plan. Firstly, you should know how long your family insurance coverage lasts and when the specific termination date is. In order to avoid gaps in coverage, choose what insurance plan you’ll be moving forward with, whether that be employee benefits or a private insurance plan, ahead of time. Additionally, transitioning out of a family plan may qualify you for a special enrollment period. This will allow you to join new insurance outside the standard enrollment times. If there is a gap in coverage, consider short-term health insurance to cover the interim period. Finally, before the family group insurance coverage ceases, book any necessary health check-ups or procedures to maximize your benefits while still under the family plan.

Looking to go the private insurance route? Private insurance can give you the freedom and flexibility to tailor your insurance to your individual needs. The most important part of finding private insurance coverage is comparing providers to find the best option for you. Luckily, HealthQuotes has developed an instant quoting tool to compare plans according to your specific criteria. You choose what and the extent of coverage you’re looking for and Quick Quotes shows you all the options available for your preferences. 

Ensuring Continuous Health Coverage

Navigating the transition out of a family insurance plan requires careful planning and awareness of the available options. By understanding how long your family insurance coverage lasts, exploring provincial health plans like OHIP, considering employer and student health plans, and researching private insurance providers, you can maintain continuous health coverage. Don’t let the end of family insurance leave you uninsured—take proactive steps to secure your health and well-being. Remember to document important dates, seek professional advice if necessary, and leverage tools like HealthQuotes’ instant quoting tool to find the best coverage tailored to your needs.