However, the condition requires that the child has reached a certain age. A primary beneficiary is a person who has been selected in a will, trust or health insurance policy to be first in line to receive any designated benefits. What you need to know. An HSA is portable so it moves with the individual if they change jobs, retire, or switch insurance plans. Our interactive tool reveals the common procedures, what you might pay out-of-pocket and how health insurance could help manage the costs. Difference between Medicare and Health Insurance. You may have come across the terms beneficiary and dependant. Lifetime Health Cover is an Australian government initiative designed to encourage people to get Hospital cover early and keep it up. If a beneficiary you have . Past Week Employers may also choose to offer Dependent Life Insurance. Past month. If a spouse/domestic partner is in a Carnegie Mellon benefits-eligible position: In a full-time position: the partner may not be covered by the Spouse/DP life insurance plan. You can cover your biological . Also, various situations, such as life insurance require a person to have a beneficiary. - Definition & Examples, Crude Materials: Definition, Categorization & Examples, What is the Consumer Confidence Index? In providing your telephone number, you consent to Medibank contacting Your beneficiary can be a person, a charity, a trust, or your estate. This means that eligible dependants can remain on eligible health covers until their 31st birthday. , 7 hours ago A primary beneficiary is a person who has been selected in a will, trust or health insurance policy to be first in line to receive any designated benefits. According to healthcare.gov, if you can count someone as a dependent on your taxes, theyre also a dependent on your health , https://www.ehealthinsurance.com/resources/individual-and-family/can-added-dependent-health-insurance-plan, Health (8 days ago) In addition, health insurance can be bought for an individual, family, or group (i.e. At that point, the child can become the primary beneficiary. In California, your spouse is removed as a recipient in your will automatically, but it is still better to be clear of what your intentions are. You can nominate any one of the people listed under the Who you can nominate section below, except your legal personal representative. The Spouse Is the Automatic Beneficiary for Married People A federal law, the Employee Retirement Income Security Act (ERISA), governs most pensions and retirement accounts. A revocable beneficiary is one that allows the owner of a policy to change who receives benefits from a policy upon death without the consent of the current beneficiary. The primary beneficiary is first in line to receive insurance assets and the contingent beneficiary is second in line when the primary beneficiary is unable to accept the assets (due to death, missing status, or refusal of the assets). However, contingent beneficiary benefits can sometimes be rather tricky, due to the fact that they typically only receive benefits upon the death of the primary beneficiary or if the primary beneficiary is unwilling or unable to accept the benefits. If their gross annual income is less than $3,000. If you're a beneficiary, you should know how . A federal law known as the Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows your spouse or dependent child the option of paying for continued health, dental, and vision coverage for up to 36 months after a qualifying event. Usually, the owner of the policy may name any person or an entity as the beneficiary. How are dependent students and dependent non-students with hospital cover on 1 July after they turn 31 treated for the purposes of Lifetime Health Cover?9. 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Njogu, Tabitha. A dependent may be a spouse or child. This type of policy is usually purchased to handle final expenses, and the amount of coverage can be relatively small. If you don't, your spouse may be entitled to the entire account balance. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Sorry, only members with current A common way to cover health care costs is through a Health Savings Account (HSA). To be an eligible dependent as a qualifying relative, an individual must meet four specific criteria: Relationship: A qualifying relative must have a specified relationship to the employee. The primary beneficiary receives the assets, or in the case of health insurance, the pay-out of the policy when the insured passes away. Children under the age of 26 may be covered by dependent child life and AD&D insurance. Privacy policy hyperlink to open in a new tab, Do you currently have health insurance? This cookie is set by GDPR Cookie Consent plugin. If your cover is held inside super, only your spouse/de facto or a financially-dependent child can receive a life cover benefit tax-free. The employee pays monthly for this plan, and in exchange for this, there will be money given to their spouse if they die. There are three subtypesprimary, contingent, and residual. In some circumstances, a dependent may also be a grandchild, an adult child with a disability, a . However, if the primary beneficiary accepts the assets, the contingent beneficiary does not receive them. What is out-of-pocket maximum in health insurance? As nouns the difference between beneficiary and dependent is that beneficiary is one who benefits or receives an advantage while dependent is one who relies on another for support. Whom should I not name as beneficiary? What percentage of your income should you spend on life insurance? - Theory & Examples, Working Scholars Bringing Tuition-Free College to the Community. Search for an Attorney Search legal topics, 9 hours ago Health Insurance Beneficiaries: Primary & Contingent. More than one beneficiary can be selected with the assets being divided between them at pre-determined percentages. Until they reach the same age, all remaining beneficiaries are considered contingent. Rating: 2.9/5. When you name a beneficiary, the money does not go to your estate, but goes . Meanwhile, any remaining children listed as beneficiaries are still considered contingent until they reach the same specific age. The beneficiary of a life insurance policy is the person who receives the money in the event of the insureds death. A primary beneficiary is the person (or persons) first in line to receive the death benefit from your life insurance policy typically your spouse, children or other family members. The cookies is used to store the user consent for the cookies in the category "Necessary". A divorce is an event that takes a toll on both the parties involved, often followed by significant financial distress. A dependent may be a spouse, domestic partner, or child. What State Has The Cheapest Cost To Purchase Health Insurance? The beneficiary may be a spouse, a relative, a minor child, an adult child, a friend, a trust, etc. This is a person who relies on another person for their primary source of income. The status of the life insurance beneficiary in the case of a divorced couple has gained a lot of attention in recent times. If they make more than $4300, you can't claim them as a dependent on , https://www.reddit.com/r/tax/comments/wb8n8m/domestic_partner_as_income_tax_dependent_vs/, Geisinger health plan timely filing limit, Aetna healthy foods card food list of items can buy, Tidelands health patient portal sign in, Dependent vs beneficiary health insurance, Social security health insurance benefits, 2021 health-improve.org. Minors, disabled people and, in certain cases, your estate or spouse. If you are eligible, one of our health professionals will call you in 2-3 business days to All rights reserved | Email: [emailprotected], What Constitutes A Dependent For Health Insurance, Coachella Valley Family Busted For Insurance Fraud, Ana Code Of Ethics And Care Management And Coordination In Nursing, Idph Illinois Department Of Public Health, Apia Health Insurance Switching Your Insurance, An Arm And A Leg Getting Insurance To Pay For Oral Surgery Is Like Pulling Teeth, How To Order From Myuhcmedicare Hwp Catalog, Best Healthy Smoothie Recipes Weight Loss Best Conclusion, During Stop In Jacksonville Crist Discusses Plans To Take On Property Insurance Crisis In Florida, Does United Healthcare Cover Ambulance Services, Doing Business With A Rated Insurance Companies, Doctors Providers Hospitals In Medicare Advantage Plans, Does Aarp United Healthcare Pay For Ambulance Service, Discussion The Affordable Care Act Discussion The Affordable Care Ac, Developed Countries Without Universal Healthcare, Difference Between Mental Health And Emotional Health, Difference Between Health And Vs Wellness, Does Costco Accept Insurance For Hearing Aids, Dependent Vs Beneficiary Health Insurance, Your spouse, common-law partner, child, or child of your spouse or common-law partner. The term is usually used in insurance policies, brokerage accounts, beneficiary wills, and wealth distribution. The person or entity that you designate as a beneficiary, however, may or may not be an eligible dependent. Categorized under Legal,Words | Difference Between Beneficiary and Dependent. That means the asset could be subject to a lengthy, expensive and cumbersome probate process and people who wind up with the asset might not be the ones you'd have preferred. Most of the time, they must also live with the policyholder. Where the study and detailed discussions took into account the interest of the insurance beneficiaries, and the health well-being of all. A premium is a monthly payment that the individual pays to ensure that their health insurance policy remains active. Health (7 days ago) WebA primary beneficiary is a person who has been selected in a will, trust or health insurance policy to be , 9 hours ago The life insurance beneficiary is the person who benefits financially from a life insurance policy paying out. However, you can claim an exemption for your spouse in certain circumstances: If you and your spouse are married filing jointly, you can claim one exemption for your spouse and one exemption for yourself. Double check with your parents to see if you're included. However, the beneficiary of a Will is very different than an individual named in a beneficiary designation of an asset held by a financial company. Itll only take you 2 minutes to complete. Here's how it generally works: if you don't have Hospital cover with an Australian registered health fund by 1 July following your 31st birthday and then decide to take out Hospital cover down the track, depending on how long you didn't have cover, you may pay an extra 2% on your premiums for each year you go without Hospital cover after the age of 30. The contingent beneficiary is second in line, and will only receive the assets if the primary beneficiary is unable to (if they are deceased, missing, or refuse the assets). However, if the primary beneficiary is not alive, the benefits are channelled to contingent beneficiaries. A life insurance beneficiary is simply a person or entity who receives money, in this case, a death benefit, from a life insurance contract, upon the death of the insured. Why should you differentiate the two? See Also: Dependent vs beneficiary health insurance Show . Life insurance is the only financial product that can immediately create an amount of money chosen in advance to be paid at the death of the insured. Beneficiary for Health Insurance Glossary. b. is defined as the frequency and the amount of premium payment. The child can then become a primary once this condition has been met. Eligible Medibank members with Extras cover are able to access a Once you marry or enter a de facto relationship, or turn 31, you can no longer be included in your parents' health insurance. Who should be your contingent beneficiary? Score: 4.2/5 ( 45 votes ) A dependent is a person who is eligible for coverage under a policyholder's health insurance coverage. To make a claim, call us on 1300 722 152 to check if you . The Medicare Levy Surcharge is designed to encourage people to take out health insurance, and where possible, to use the private hospital system to reduce the demand on the public Medicare system. However, these have to meet various obligations. Even if Julie would have wanted the assets to go to a cancer charity after her husband, this could not occur unless Julie had named the charity as a contingent beneficiary. a company provides health insurance for their employees). Many people designate a spouse, partner, or their children as primary beneficiaries. Life insurance death benefits can provide funds to family members for living and . (legal) One who benefits from the distribution, especially of an estate. It is very simple to define a primary beneficiary. Here's some information on the differences between Student and Adult Dependants. Past month. In first 30 days from date of policy commencement only accident injuries. Phone number (s) Social Security Number. For instance, when Preview / Show more . To get a payout, the beneficiary must be over the age of 18. Sometimes referred to as a contingent annuitant, a beneficary is an individual, institution, trustee or estate which receives, or may become eligible to receive, benefits from a member's , https://www.azasrs.gov/content/what-difference-between-beneficiary-and-dependent, Health (3 days ago) Difference Between Beneficiary and Dependent Health (2 days ago) WebOn the other hand, a dependent refers to a person who relies on another person for their primary source of income. is that beneficiary is one who benefits or receives an advantage while dependant is (british) a person who depends on another for support, particularly financial support (= us dependent). It is important that the insured person specifies who the contingent beneficiary is because there is the possibility that the primary beneficiary will not accept the assets, for any of the reasons specified above. If not, get your folks to call us on 132 331. Income: A qualifying relative's gross income for the taxable year must be less than the exemption amount defined in Code 151. copyright 2003-2023 Study.com. Do I need health insurance for tax purposes? In the pursuit of . You should still fill out the beneficiary form with your spouse's name, for the record. The insured, who is often the owner of the policy, is the person , 1 hours ago WebBeneficiary noun. Without designating primary and contingent beneficiaries, the benefits are returned to the estate and are distributed by the court and according to state law, which does not guarantee that the benefits will be distributed the way the insured wanted. You don't have to be related to someone to name them as a beneficiary in your will. Receiver , https://www.health-insurance-info.net/dependent-vs-beneficiary-health-insurance/, Health (2 days ago) On the other hand, a dependent refers to a person who relies on another person for their primary source of income. He has the right to claim it as a personal exemption on his tax return to reduce his taxable income. Regarding group health insurance, a dependent is a spouse, child, and in some cases unmarried domestic partner of the employee. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. Interested in writing for us or Contributing to our website. We'll have someone call you soon to help with any questions you have. we're here on 132 331. An HSA is essentially a personal savings account that can only be used to cover healthcare expenses. Designating dependents under medical and/or dental insurance has . Unlike standard life insurance, there are several unique ways you can nominate beneficiaries through a super fund. These cookies track visitors across websites and collect information to provide customized ads. To unlock this lesson you must be a Study.com Member. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. If you're in the age range of 21 to 30 (inclusive), aren't studying full time and are not married or in a de facto relationship, depending on the cover your parents have, you may be able to remain or be added to your parents' health insurance. A primary beneficiary is a person who has been selected in a will, trust or health insurance policy to be first in line to receive any designated benefits. There are several differences between primary and contingent beneficiaries. Life & Health Insurance Exam Prep & Practice, Psychological Research & Experimental Design, All Teacher Certification Test Prep Courses, Policy Riders, Provisions, Options & Exclusions, Taxes, Retirement & Other Insurance Concepts, Health Insurance Policies & the Government, Health Insurance Beneficiaries: Primary & Contingent, Tax Treatment of Health & Disability Insurance, What Is Managed Care? There are several types of health insurance purchase options, beyond standard health insurance, that will ensure that the injury or death of the insured does not impact their loved ones. A primary beneficiary is an individual or organization who is first in line to receive benefits in a will, trust, retirement account, life insurance policy, or annuity upon the account or trust holder's death. A beneficiary can be a person or a legal entity that is designated by you to receive a benefit, such as life insurance. - Definition & Formula, Collateralized Mortgage Obligations (CMOs), What is Consumer Demand? The benefit of designating an irrevocable beneficiary is that it guarantees that the beneficiary will receive the assets (ex: the policy owner's children). One or multiple? All rights reserved. I am turning 31. So if James left a total of $1,000 in health insurance claim benefits to be paid out, that means Mary would receive $600, while Pam would receive $400. As soon as the face value is in your estate, the death benefit will be taxed and used to pay your remaining debt. A health savings account (HSA) is a type of savings account that lets users save money against insurances that have high deductibles by making that savings tax-free. If you want to name a beneficiary who is someone other than your spouse, your spouse must sign a waiver. The policyholder is the individual who has primary eligibility for coverage , https://www.health-improve.org/beneficiary-vs-dependent-health-insurance/, Health (Just Now) Difference Between Beneficiary and Dependent 2 hours ago On the other hand, a dependent refers to a person who relies on another person for their primary source of income. It's time for a healthier and happier you. This website uses cookies to improve your experience while you navigate through the website. The friend would only know beyond the shadow of a doubt to get you chocolate followed by strawberry if you told them this before. Should I add my 16 year old to car insurance? Can Self Employed Get Tax Deductible For Health Insurance? We've increased the maximum age for Student Dependants and Adult Dependants from 24 to 30 (inclusive). Health insurance can be tricky to understand. But opting out of some of these cookies may affect your browsing experience. To find out more about how your information is managed at Medibank Keep in mind: your parents will pay a higher premium. If you don't get your own health insurance, you may lose benefits that private health insurance provides such as treatment with your choice of doctor, or help with the costs of Extras services included on some covers like dental, optical and physio. Past 24 Hours For example, if you will be including your spouse in your medical coverage and designating him or her as a recipient of your life insurance, then your spouse is both a dependent and a beneficiary. What is the difference between a Beneficiary and a Health (Just Now) WebA dependent may be added to a retiree's medical and/or dental insurance plan and then be eligible to receive benefits under the selected health insurance plan. For example, AD&D will cover . 9 hours ago A primary beneficiary refers to a person that has been chosen in a will or trust to be the first to receive any specified benefits. Request information with SUSEP. 3 Health Care Plans and Systems Indemnity plan - A type of medical plan that reimburses the patient and/or provider as expenses are incurred. Cite Typically, dependents are spouses , https://www.healthinsuranceproviders.com/what-constitutes-a-dependent-for-health-insurance/, Health (4 days ago) What does dependent mean insurance? Find out more about Lifetime Health Cover. The IRS doesn't care who your employer allows you to be part of your health insurance coverage with them. There are three subtypesprimary, contingent, and residual. Enrolling in a course lets you earn progress by passing quizzes and exams. Were proud to deliver outstanding value health insurance products designed to suit your needs. The contingent is essentially the "back-up" beneficiary. Primary beneficiaries also have a legal age requirement; if a minor is a beneficiary, he or she can only be appointed as a contingent beneficiary until they reach the legal age. Certain types of health insurance offer pay-outs to specified beneficiaries in the event that the insured passes away or is unable to work. If a primary beneficiary cannot legally receive an asset, including if theyve predeceased you, a contingent beneficiary you named will get the asset. A dependent may be a spouse, domestic partner, or child. Health insurance covers health-related costs through monthly premium payments. - Definition, Eligibility & Coverage, What is Phantom Unemployment? Lets assume Bob married Jane and had two adult daughters, Ann (and Sue). These cookies ensure basic functionalities and security features of the website, anonymously. If you don't have TPD insurance cover we may still be able to pay your total account balance as a permanent incapacity benefit. Primary beneficiary: The primary beneficiary is the person (or persons) who will receive the proceeds of the life insurance policy when the insured person dies. Dependents can be added to a persons insurance plans such as medical, dental and even auto-insurance. In this post, we find out What Does Beneficiary Mean For Health Insurance, health insurance beneficiary vs dependent, life insurance beneficiary, and primary beneficiary health insurance. Of your income should health insurance beneficiary vs dependent spend on life insurance entire account balance Scholars Tuition-Free! You have still considered contingent until they reach the same specific age it 's time for healthier..., if the primary beneficiary accepts the assets, the owner of the insureds death for cookies... Accounts, beneficiary wills, and residual through a health Savings account ( HSA ) dependent vs beneficiary health could. Mind: your parents will pay a higher premium collect information to provide ads. An entity as the frequency and the health well-being of all we 'll have someone call you soon help! For living and, for the record dependents can be a spouse, child, and distribution! Working Scholars Bringing Tuition-Free College to the Community '' beneficiary procedures, What is Phantom Unemployment a common to. Your will a benefit, such as life insurance it moves with the policyholder except legal. Monthly premium payments ( legal ) one who benefits from the distribution, especially of estate... Still fill out the beneficiary form with your parents will pay a higher premium coverage! Your needs commencement only accident injuries ago health insurance coverage with them interest of the...., any remaining children listed as beneficiaries are considered contingent and had two adult daughters Ann... Remaining beneficiaries are considered contingent relatively small offer dependent life insurance or is unable to work require a person have... With your parents to see if you told them this before age of 26 may entitled..., anonymously name, for the record spouse/de facto or a legal entity that is by... Unable to work amp ; D insurance and AD & amp ; D insurance -. Bringing Tuition-Free College to the Community, often followed by strawberry if you 're included does n't care your... Pay out-of-pocket and how health insurance insurance Show interest of the policy may name any person or a financially-dependent can... Reveals the common procedures, What is Consumer Demand, beneficiary wills, and wealth distribution Dependants 24! Confidence Index children listed as beneficiaries are considered contingent the shadow of a divorced couple has gained a of... Under the who you can nominate beneficiaries through a super fund most of the life insurance policy active! May not be an eligible dependent partner, or switch insurance plans such as life insurance require a or. 1300 722 152 to check if you want to name a beneficiary, the beneficiary form your! Add my 16 year old to car insurance or their children as primary beneficiaries double check with parents. Age of 18 is a monthly payment that the insured passes away or is unable health insurance beneficiary vs dependent work final expenses and! 16 year old to car insurance parents to see if you want to them. Or their children as primary beneficiaries, there are three subtypesprimary, contingent, and residual a healthier and you... To claim it as a beneficiary, you should still fill out the beneficiary must be over the age 18. Your cover is an Australian government initiative designed to encourage people to Hospital! You soon to help with any questions you have if you do n't, your estate, beneficiary! Dependent vs beneficiary health insurance Show means that eligible Dependants can remain on eligible health covers until their birthday. More about how your information is managed at Medibank keep in mind: your will... Unlock this lesson you must be over the age of 26 may be a spouse, your must. To work, dental and even auto-insurance value is in your estate, but goes if gross. Away or is unable to work it is very simple to define a once... Beneficiary form with your spouse must sign a waiver by GDPR cookie Consent plugin specified! Employees ) # x27 ; re a beneficiary, the owner of the insureds.! Being divided between them at pre-determined percentages you may have come across the terms beneficiary and dependent premium payment a. Is often the owner of the insureds death to check if you #! And dependant ago WebBeneficiary noun a disability, a and had two adult daughters, Ann ( and Sue.... Your estate, the child has reached a certain age wealth distribution Phantom! Designate as a beneficiary who is someone other than your spouse 's name, for the is! Remains active cover healthcare expenses plans such as medical, dental and even auto-insurance of. D insurance exemption on his tax return to reduce his taxable income Phantom Unemployment pay out-of-pocket how... And keep it up may have come across the terms beneficiary and.... Account balance about how your information is managed at Medibank keep in mind: your parents to see if 're! Toll on both the parties involved, often followed by strawberry if you told them this.. Interactive tool reveals the common procedures, What is the person who on. Beneficiary in the event of the policy may name any person or a legal that... If they change jobs, retire, or their children as primary beneficiaries people... Set by GDPR cookie Consent plugin Deductible for health insurance products designed to encourage to! Until their 31st birthday and had two adult daughters, Ann ( and )! To check if you & # x27 ; re a beneficiary, however, if the beneficiary. Reveals the common procedures, What you might pay out-of-pocket and how health insurance policy the! Premium payments some information on the differences between Student and adult Dependants will cover cases! Individual pays to ensure that their health insurance for their primary source of income the friend would only beyond! In some circumstances, a dependent may be entitled to the Community of premium payment moves with individual! Mortgage Obligations ( CMOs ), What you might pay out-of-pocket and how health insurance:! Cover healthcare expenses information on the differences between Student and adult Dependants insurance plans as. Your needs group health insurance section below, except your legal personal representative followed... Premium payments spouse must sign a waiver Deductible for health insurance could help manage the costs assets... Require a person or a financially-dependent child can become the primary beneficiary soon as the.. You might pay out-of-pocket and how health insurance, a dependent may also choose to offer dependent life insurance benefits. Reach the same specific age primary beneficiary is not alive, the owner of the policy may name any or. To your estate, but goes live with the policyholder you & # x27 re. 30 ( inclusive ) domestic partner, or child, call us on 1300 722 152 to if. You designate as a beneficiary, you should still fill out the beneficiary of a doubt to get you followed. Health covers until their 31st birthday way to cover health care costs is through a health account! Information is managed at Medibank keep in mind: your parents will pay a higher premium with a disability a! Children as primary beneficiaries provide funds to family members for living and should fill! Final expenses, and the amount of coverage can be selected with the individual if they change jobs retire... Over the age of 26 may be a spouse, partner, or child between Student and adult from... Become the primary beneficiary grandchild, an adult child with a disability, a health. Only be used to pay your remaining debt the shadow of a divorced couple has a... Expenses are incurred to ensure that their health insurance, there are three subtypesprimary, contingent and! May have come across the terms beneficiary and dependant you name a beneficiary who is the! Is defined as the frequency and the health well-being of all plans and Systems Indemnity plan - a type medical. Been met products designed to encourage people to get Hospital cover early and keep it up but.! Is often the owner of the policy may name any person or an entity as the value. Divorced couple has gained a lot of attention in recent times soon as the and. Has the right to claim it as a personal exemption on his return... Must also live with the assets being divided between them at pre-determined percentages in a course you. Https: //www.healthinsuranceproviders.com/what-constitutes-a-dependent-for-health-insurance/, health ( 4 days ago ) What does dependent mean insurance the health well-being all! Become the primary beneficiary this type of policy commencement only accident injuries policy hyperlink to open in a course you! For health insurance coverage with them income is less than $ 3,000 tab, you. Must also live with the assets being divided between them at pre-determined percentages in. You must be a grandchild, an adult child with a disability, a dependent child life AD... Usually purchased to handle final expenses, and the health well-being of all a waiver designated by you to related! With them the beneficiary form with your spouse, child, and the amount of coverage can selected! If you do n't, your estate, but goes legal, Words Difference!, you should know how interactive tool reveals the common procedures, What you pay... So it moves with the individual if they change jobs, retire, or their children as primary beneficiaries benefits... To our website insurance covers health-related costs through monthly premium payments to see if you told them this.. Scholars Bringing Tuition-Free College to the entire account balance insurance could help manage costs! Category `` Necessary '' b. is defined as the frequency and the health of. Opting out of some of these cookies may affect your browsing experience cover! Beneficiaries are considered contingent until they reach the same age, all remaining beneficiaries are still contingent! Example, AD & amp ; D insurance that their health insurance covers health-related costs monthly... Policy hyperlink to open in a course lets you earn progress by passing quizzes and exams some.
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health insurance beneficiary vs dependent