1. Full time employees of the participating organizations;
2. Dependents of full-time employees of the participating organizations; (employee’s immediate family including lawful spouse, natural and adopted children and grandchildren & dependent parents and parents-in-law;
3. Household members who lives with an eligible employee and depends on that employee for support;
4. Government or agency employees whose government or agency does not participate in the Plan and the employees pay 100% of the premiums for themselves, dependents and household members;
5. Former employees who were previously covered under the Plan, their dependents and household members if they pay 100% of the premiums for themselves, their dependents and other household members.