How to Add a Grandchild to Insurance

How to Add a Grandchild to Insurance
••• Jose Luis Pelaez Inc../Blend Images/Getty Images

Grandparents acting as primary caregivers for their grandchildren has become a growing trend. According to "The Examiner," each health insurance company generally has its own set of rules regarding the inclusion of grandchildren to a health insurance plan. While some companies may offer the service for any grandparent over the age of 55, others may require you to be the legal guardian of the child before allowing you to add them to your insurance policy. With persistence, tenacity and a willingness to do the research, practically any grandparent can find out if their grandchild is eligible to join their health insurance plan.

Call the number listed on your monthly health insurance billing statement to speak with a live representative of your health insurance provider. Ask to speak with a policy manager or other specialized employee who can answer specific questions on policy matters.

Ask if you can add your grandchild to your current health insurance policy and under what conditions or terms the service will be available. You may be asked to visit a local office of your insurance provider to fill out the necessary forms.

Fill out the insurance policy modification form and include the details and information of your grandchild. Include their full name, age, ethnicity, social security number and any other required data asked about your grandchild. If required, bring in your grandchild for any necessary blood or urine test that may be necessary to complete the application.

Receive your confirmation insurance packet in the mail and store your child’s health insurance card next to yours in your wallet, purse or other secure location. If desired, guide your grandchild through the specific benefits and terms of their health insurance policy.


  • If your insurance company denies your request to add your grandchild to the policy, contact your local Medicaid office to see if he is eligible to join the government-enrolled health program.