Spousal Coordination of Benefits

If you cover your spouse in one of the State of Delaware's Group Health Insurance medical plans; you MUST complete a new Spousal Coordination of Benefits form each year during Open Enrollment and anytime their employment or insurance status changes.

Forms and Documentation

  • Who Pays First? (Spousal Coordination of Benefits Charts) - Look here for examples showing which plan is primary (pays first) when active or retired State of Delaware Group Health Insurance Plan (GHIP) members and spouses have more than one health care coverage.

Important Information: If your Spouse is covered by a high deductible health plan that includes a health savings account

Dependent Child (to age 26) Coordination of Benefits

State employees, pensioners, and employees of participating groups may cover their dependent children to age 26 in their State health care plan, dental plan and/or vision plan with no restriction on marital, employment, student, resident or tax status. Pursuant to the Group Health Insurance Program Eligibility and Enrollment Rules, an employee or pensioner's children are defined as sons, daughters, stepchildren and adopted children.

In accordance with the Group Health Insurance Program Eligibility and Enrollment Rules, Dependent Coordination of Benefits forms must be completed for each enrolled dependent regardless of age, upon:

  • Enrollment in other health coverage,
  • Any time other health coverage changes, or
  • Upon request by the Statewide Benefits Office, Highmark Delaware or Aetna.

Forms and Documentation