In order for anyone to be covered under anyone's health insurance, they must be listed on the policy and a premium must be collected for them. If your spouse did not include their names on the plan and no premium is being collected for them, then they won't have coverage.
If children are not common to both spouses it means that one of the spouses is not the biological parent. One of the parents is a step-parent. The child was not born to the married couple, but resulted from a previous relationship.
Yes, if they are married to the children. They are part of the family.
Galileo never married. He had 3 illegitimate children by the same woman.
Generally no. Depedents have a specific definition of who can be covered. Ex spouses are not normally included.
Is the child willing to sign the application and take the physical? I don't see why not.
They can choose not to provide coverage for a spouse. US law states employers have to provide insurance for employee's children under the age of 26, but does not say anything about spouses, so they can choose to stop covering employee's spouses.
The spouses have to apply for children, and if approved, they will be granted a child at the next Ceremony of One.
They can, but it usually requires the signature of the spouse. Insurance companies don't like to deal with surprised spouses not getting what they expected.
Not individually, but the deceased's estate may well be subject to being charged for the expenses not covered by any existing insurance.
Spouses are allowed to carry separate insurance policies, as there are no laws stating otherwise. However, it is generally more cost effective for spouses to carry one together.
Credit Life Insurance.
Several insurance companies now have "Domestic Partner" plans available. This includes coverage regardless of gender and/or marrital status. Check with the individual companies to see if they offer the coverage.