Student Dependents

Dependent children are eligible to be covered up to age 19. Upon their 19th birthday, their coverage will be automatically terminated. However, if they are a full-time student, their coverage can continue to age 25. In order to keep them covered from age 19 up to age 25, you will be required to verify their student status. This process is handled by our medical insurance providers. Please familiarize yourself with the process as explained below.

If you are enrolled in any of the PPO options, the following will apply:

One month prior to your dependent turning age 19, Blue Cross will send you a student certification letter. There will be only a few questions you will need to answer. Once done, you should promptly return this letter to Blue Cross as indicated in the letter.

Blue Cross will update their system and in turn, inform eFunds that your dependent's student status has ben verified and we will reactivate the child's coverage. If this letter is not returned to Blue Cross, the child's coverage will remain terminated.

You should then expect to receive a student certification request from Blue Cross approximately every six months. Again, complete the letter and promptly return it to Blue Cross. Failure to do so will result in the termination of your child's coverage.

If you enrolled in the HMO (Minnesota residents only), the following will apply:

Three months prior to your dependent turning age 19, HealthPartners will send you a student certification letter. There will be only a few questions you will need to answer. Once done, you should promptly return this letter to HealthPartners as indicated in the letter.

HealthPartners will update their system and in turn, inform eFunds that your dependent's student status has ben verified and we will reactivate the child's coverage. If this letter is not returned to HealthPartners, the child's coverage will remain terminated.

You should then expect to receive a student certification request from HealthPartners annually. Again, complete the letter and promptly return it to HealthPartners. Failure to do so will result in the termination of your child's coverage.

Once a child leaves school, graduates or reaches age 25, they are no longer eligible for coverage under the eFunds' plan. It is your responsibility to notify eFunds if your child becomes ineligible for coverage. At that time, their benefits will be terminated and they will be offered the opportunity to continue their coverage under COBRA.