Health Insurance for Legal Guardians: Understanding Your Options

Legal guardianship over a person is awarded by the court to an individual who is taking primary care of someone who is judged unable to administer his own affairs. This may be due to age, such as for a child or minor, or an impairment that renders the person unable to make decisions regarding his well-being and affairs. The person under guardianship is referred to as the ward. A legal guardian is responsible for providing care for the ward, and this may include health insurance if the ward does not have it from another source. Health insurance companies recognize the duties of a legal guardian, which makes it easier to provide the care needed.

Things You'll Need

• Legal paperwork naming you as guardian.

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Instructions

• 1

  Collect the legal paperwork naming you as legal guardian.

• 2

  Submit the paperwork to your current insurance company requesting that it adds the ward to the policy.

• 3

  Pay any required additional premiums.