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JTInsure
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Joined: 30 Apr 2009
Posts: 76
Location: Ohio
18.40 Dollars($)
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 Posted: Wed May 06, 2009 1:24 am Post subject: |
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most of the insurance company stop the dependent health insurance coverage at the age of 18 or 22 or when the become a colledge student.
and that's true . the detailed difference depend on different compay and different terms what kind of insurance you are holding. |
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tohawk
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Joined: 05 May 2009
Posts: 23
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| Posted: Thu Dec 31, 2009 11:33 pm Post subject: health insurance |
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I read somewhere that the law changed in April of 2009 and and employee must allow a parent to cover a dependent on their group medical policy till age 25, even if they are not a full time student. Is this accurate.
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christine.kass@yahoo.com
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| Posted: Sat Jan 02, 2010 5:50 am Post subject: |
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Coverage for dependent children varies according to the type of coverage and state law. In California law, there are different provisions for dependents in life and health insurance. And obviously, under federal law, group insurance continuation under COBRA is an entirely different matter.
State laws are merely the "minimum" requirements. Insurers are allowed to offer more generous provisions, but cannot narrow them. So where dependency is left behind at age 21 for life insurance, it can extend through age 24 in health insurance for an unmarried dependent child who is a full time student in a post-secondary educational program.
There's nothing to prevent an insurer from covering a child on a life rider through age 25 (as most riders do), or to age 30 on a health policy (which no one does to my knowledge).
But we're also on the precipice of Congress enabling the federal government to be in a position to tell health insurers that they cannot exclude preexisting conditions, deny coverage for persons with preexisting conditions, cannot charge more for persons with preexisting conditions (= everyone else paying higher premiums so as not to penalize the unhealthy) . . . who's to say that they won't dictate that non-disabled, unmarried dependents have to be covered until they get married or die of old age?
We haven't just stepped onto a "slipery slope", we're spreading the lubricant on well ahead of the slide.
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MaxHerr
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Joined: 29 Nov 2009
Posts: 4218
Location: Pomona CA
162.55 Dollars($)
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| Posted: Thu Jan 07, 2010 1:09 am Post subject: Dependent insurance |
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Does an employer have to insure your children until they are 24 years old in michigan, if they are a full time student?
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anonymous777
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| Posted: Thu Feb 04, 2010 5:09 am Post subject: Policy terms |
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| That would depend on the policy terms. There could be several factors which contribute to your child being termed as dependent. However, it is possible to insure your children till they are 24 if they are full time student. |
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Veronica
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Joined: 01 Feb 2010
Posts: 191
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| Posted: Thu Feb 04, 2010 7:13 am Post subject: |
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Folks please, let's not confuse the issue.
Group coverage, in every single solitary instance other than self-insured plans, is governed by state law somehow somewhere. There are also discrimination rules imposed by federal and state law. So please stop saying that continuation of coverage is dependent upon "the plan," because it's not.
Also remember that COBRA only applies to MOST plans, and in order for it to apply, there's gotta be at least 20 participants. Every state that I'm aware of also has state continuation and/or portability rules that also may apply that detail some sort of continuation or conversion opportunity regardless of participant numbers.
There is no rule that mandates group coverage on a dependent child until age 25 unless that child is disabled and incapable of self-support. There's no law that prevents an insurer from allowing that, but it isn't supported by any rule or law that I'm aware of. As well, the definition of the word "dependent" is not up to the carrier- it's defined by state law.
Where does this stuff come from??? 
Another thing, you cannot form a group and buy group insurance just because you want to. Groups cannot be formed simply for the purpose of buying group insurance, they must be formed for purposes other than buying group coverage; the insurance must be incidental to the formation of the group.
Finally:
| Quote: | | But we're also on the precipice of Congress enabling the federal government to be in a position to tell health insurers that they cannot exclude preexisting conditions, deny coverage................... |
I just won a nice bet from this liberal guy that I know dealing with ObamaCare v16.5: I told him that there's no way on this planet any of these plans were ever going to go through, period. My buddy blurts out, "They'll have a comprehensive plan passed by the end of the year. America's gonna thank Obama (as he bows down and faces east. We live on the west coast) when it's all said and done." I said "Wanna bet?" He replied in the affirmative.
Game over. I win. Gimme what you owe me, you liberal dog.   There's no way, especially now that the GOP tilted the voting table, that this is gonna happen anytime soon. Anyone care to comment?
Max- you started it.
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InsTeacher
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Joined: 13 Aug 2007
Posts: 1331
Location: Oregon, USA
118.58 Dollars($)
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| Posted: Thu Feb 04, 2010 8:40 am Post subject: |
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Teach:
First, I would like to say up front that I am really sorry for the Rose Bowl.
Back in the day when I worked for a TPA, I was just a drone and wasn't involved in the inner workings of health insurance policies. I wanted to see if I have my mind wrapped around this subject. Let me know where I am incorrect if you could.
Pre-existing conditions. You work for company ABC and have a group health policy. While there you get cancer. You leave the company due to medical leave but elect Cobra. You beat cancer and get a new job with company XYZ and once again have a group health policy. Cancer comes back, but since you never had a break in coverage they don't deny you for pre-existing coverage. True or false?
If carriers have to start covering dependents till 25, 27 or what ever number is being thrown out today, carriers will have to raise premiums since before this mandate they knew that dependents were normally going to fall off around 22 or before if they weren't in college.
A lot of people want pre-existing done away with. A lot of people don't want the guberment to mandate that you have to purchase coverage. Is there really anyway that one can be done without the other. Wouldn't people just wait till they got sick to purchase a policy if coverage wasn't mandatory.
I've got more questions, but its late and my head is spinning.
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Dasfuk
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Joined: 27 Feb 2008
Posts: 597
Location: Ohio
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| Posted: Thu Feb 04, 2010 5:52 pm Post subject: |
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Dasfuk, first to your question:
| Quote: | | Pre-existing conditions. You work for company ABC and have a group health policy. While there you get cancer. You leave the company due to medical leave but elect Cobra. You beat cancer and get a new job with company XYZ and once again have a group health policy. Cancer comes back, but since you never had a break in coverage they don't deny you for pre-existing coverage. True or false? |
If you are within the HIPAA 63-day "break in coverage" rule, the new group insurer would have to give the insured "credit" for the time served in the previous health plan against any pre-x exclusions in the new group contract. In your scenario, assuming the insured had been in his group plan for at least 12 continuous months, got to the new employer that offers medical benefits within the 63-day period and enrolled in the group health plan during an open-enrollment period, HIPAA will only allow a one-year exclusionary period. In addition, HIPAA will only allow the carrier a 6-month "look back" period in which to apply pre-x exclusions. So, if the cancer had not been treated within the 6-month period preceding the new plan, pre-x couldn't be applied in any case. Pre-x for "late" enrollees can be as long as 18 months.
However, don't forget that most state simply don't allow pre-x exclusions in a group policy period as long as the employee enrolls during an open enrollment period. Enrollment as a late enrollee normally requires proof of health and can have pre-x attached. You'd have to look at your individual state for specific rules.
I probably just confused the daylights out of anyone reading this. If so, let me know and I will try and explain!
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InsTeacher
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Joined: 13 Aug 2007
Posts: 1331
Location: Oregon, USA
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| Posted: Tue Mar 23, 2010 12:47 am Post subject: health insurance |
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My daughter turned 19 last semester she was in college this semester she is in basic training for the air force reserves she will be back in school in the fall. My dental insurance is denying her orthodontist jan. feb. payments for braces she got off last year. She will be able to transfer credits from this training toward her degree can they deny payments for a past claim
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jamie1990
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| Posted: Tue Mar 23, 2010 4:55 pm Post subject: |
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Doesn't one of the health care reform provisions guarantee child coverage up to age 26? I seem to remember seeing that somewhere, but can't be bothered right now to flip through two thousand pages of government gobbledygook.
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Twitch
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Joined: 25 Feb 2010
Posts: 32
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| Posted: Wed Mar 24, 2010 12:05 am Post subject: |
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| Quote: | | she is in basic training for the air force reserves |
You said the 'magic words'. She's now in the Military. Files actually DO come up that your 'dependent' is in the Military and is NOW covered by them (Military). I had this same situation happen with a friend of mine. Your daughter is now 'Active Military' and, on Active Duty, she is 100% covered with Dental and Medical. |
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sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 2055
4.67 Dollars($)
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| Posted: Fri Mar 26, 2010 10:03 am Post subject: Suggestion |
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Hello,
The Insurance durability is dependent upon type of policy and plan you are having, as the plan varies in terms of time as per company policy. To know more, please visit the website or respective company, for example, you can see the various plans by clicking at -(link removed by mod-lori)
You may NOT hawk your wares in posts/threads...please read and adher to our TOU...I've sent you a pm as well...this is NOT tolerated on this site..I have deleted your other post completely |
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wishop
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Joined: 26 Mar 2010
Posts: 1
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| Posted: Sun Mar 28, 2010 12:49 am Post subject: |
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| They can be covered up to age 26 now as long as they live at home. |
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insurancebydave
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Joined: 08 Jan 2009
Posts: 65
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| Posted: Thu Apr 01, 2010 1:33 am Post subject: |
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InsTeacher . . .
Well, they didn't get it through in 2009, as most of us figured they wouldn't. But who would have thought they'd resort to all the back-room arm-twisting and deal-making and pork peddling to get it done this soon. It's a sad time for America.
I'm not a prophet, but all of those things I mentioned on 01-01-10, and more, have found their way into the final 2300+ pages that I doubt anyone has fully read.
And despite approval ratings at all time lows, I will not be amazed that Pelosi and others are reelected to office by the idiots that live in those districts come November. Harry Reid appears to be one of the few whose reelection bids are DOA today.
Just wish there was a legal way to get rid of all of them -- Democrats and Republicans -- at one time.
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MaxHerr
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