| Message |
Author |
|
 Posted: Mon Mar 22, 2010 9:54 am Post subject: Staying on parents' health insurance |
|
|
My brother is a college student and 22 years of age. Is it okay with him to stay on our parents' health insurance? Are there any challenges that he might face in the near future?
_________________
Register Now to have your Insurance queries solved. |
|
Normanwolf
Guest
|
|
| Posted: Mon Mar 22, 2010 2:07 pm Post subject: insurance |
|
|
| (My personal exprience, anyway..) I could have stayed on my parents Insurance until I turned 18..OR.. a full time student (at college). I was on their Insurance until I was 20 (graduated from a Junior College then). |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 2055
4.70 Dollars($)
|
|
|
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Mon Mar 22, 2010 9:56 pm Post subject: |
|
|
| Quote: | | Depends on the administrator of the group. Different groups can have different rules. Most are up to the age of 24, but the administrator is who you should pose the question to. |
It's NOT up to the administrator...it's up to the STATE rules in which you live. These are not according to the plan, it's according to state rules.
InsTeacher  |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1343
Location: Oregon, USA
119.93 Dollars($)
|
|
|
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Mon Mar 22, 2010 10:53 pm Post subject: |
|
|
Pirate91...I'm truly sorry...it's NOT up to the admin. The "admin" of the program is required to follow state law and rule. It's not up to the company, so to speak. Every state has rules and law regarding coverage of dependents on group plans and how long the coverage may continue. Easily proved... sorry 'bout that!
A carrier is allowed to be more beneficial to an insured or beneficiary than the law allows, but they are not allowed to be more restrictive than shown in the laws and rules. So, if a plan WANTS, so to speak, be "better" to the insured than what the state allows, that's fine. But they are required to adhere to a minimum of their state's laws. I've been playing in this business for more than 25 years and am on 1/2 dozen state and federal committees that set these rules.
Now, self-insured plans have a different set of rules and I didn't get the impression that this was a risk-retention pool that the OP was discussing.
InsTeacher |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1343
Location: Oregon, USA
119.93 Dollars($)
|
|
| Posted: Mon Mar 22, 2010 11:50 pm Post subject: |
|
|
You just readily admitted my point. It is up to the adminstrator. SBC was 19 if you're not going to college and ChevroTexaco was 24 who carries what you are doing. I stated in the above case it's up to the administrator and it is, if the kid stays in college, he'll probably stay on.
And if we're sighting credentials, BSBA-Human Resource and Personnel Mgmnt, CEBS, past benefits admin for ChevronTexaco with God only knows how many employees.
So sorry, not wrong.
_________________
Lead source for agents
http://www.insuranceleads.com/?s=agtref&k=227879
http://www.65healthinsurance.com./ |
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Mon Mar 22, 2010 11:50 pm Post subject: |
|
|
You just readily admitted my point. It is up to the adminstrator. SBC was 19 if you're not going to college and ChevroTexaco was 24 who carries what you are doing. I stated in the above case it's up to the administrator and it is, if the kid stays in college, he'll probably stay on.
And if we're sighting credentials, BSBA-Human Resource and Personnel Mgmnt, CEBS, past benefits admin for ChevronTexaco with God only knows how many employees.
So sorry, not wrong.
_________________
Lead source for agents
http://www.insuranceleads.com/?s=agtref&k=227879
http://www.65healthinsurance.com./ |
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Wed Mar 24, 2010 3:17 am Post subject: |
|
|
NO no no no no no no... let me 'splain, and I'm not arguing.
I'm not going to get into a "letters after your name" thing here, I'm sure you're very qualified in what you do otherwise you probably wouldn't be doing it.
Let me try this again, we'll use Oregon for an example. I work in 36 states, so I readily admit I don't know law in 14 of them as well as D.C.
Oregon requires ALL group, except for self-insured plans to allow, at a minimum, dependents to be covered under their parent's group coverage to at least age 19. After age 19, the child must be covered, IF the child is unmarried, still a dependent and also a full-time student. That coverage is allowed to continue to at least age 23 if the requirements are met. If the child is going to be dependent on the parents for the rest of his life due to a disability, there is no age limit.
Those are the state laws, which as you know, must be followed. Granted- each state has variations on the rule, so to speak, but they're all fairly close with obvious exceptions dependent upon the state.
Now, your statement of
| Quote: | | Depends on the administrator of the group. Different groups can have different rules. Most are up to the age of 24, but the administrator is who you should pose the question to. |
AND
| Quote: | | It is up to the adminstrator. SBC was 19 if you're not going to college and ChevroTexaco was 24 who carries what you are doing. I stated in the above case it's up to the administrator and it is, if the kid stays in college, he'll probably stay on. |
I have absolutely no problem with, as they fit within the law and pose no violations of either rule or law. The group plan is allowed to be more beneficial to the insured than required by law; the plan cannot be more restrictive than allowed by law. So, while the administrator calls the shots as to how the plan is carried out and "administered," the plan itself is designed to fit within the state laws and rules. The administrator isn't the one who "designed" the plan- the language within the contract was created by the insurer or health care contract provider.
So, we're not really arguing against eachother, I probably didn't explain myself really well. We're really arguing two sides of the same argument.
InsTeacher |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1343
Location: Oregon, USA
119.93 Dollars($)
|
|
| Posted: Wed Mar 24, 2010 3:51 am Post subject: |
|
|
According to Obamacare: Yes He Can!
 |
|
BNTRS
Senior member
Joined: 05 Nov 2009
Posts: 828
13.02 Dollars($)
|
|
|
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Wed Mar 24, 2010 7:57 pm Post subject: |
|
|
Did I say that I wanted the OP to call his state's insurance department? Nope...don't think that I did. I do want to know what state he's in and then I can provide the correct info.
Why are you being so argumentative? I am not arguing with you in the least.
InsTeacher |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1343
Location: Oregon, USA
119.93 Dollars($)
|
|
| Posted: Wed Mar 24, 2010 8:01 pm Post subject: |
|
|
Pirate, you are missing Teachers point. Yes, the admin of the policy would be able to tell the insured the age limit they cover dependents according to the policy. The states set the age limit and thus the policy must fall within that limit. So if a state says they can be kicked off at age 18, then there is the limit. Its not to say that some companies will want to insure their employees dependents until 24, they just wouldn't have to according to law.
Your example:
SBC was 19 if you're not going to college and ChevroTexaco was 24 who carries what you are doing. --- I'm guessing the state has a 19 year age limit and Chevro opts to extend it to 24.
I too worked for TPA and had a company that would cover dependents while they lived in the house and partners. Did they have to according to state law, no. This is what they decided to do.
So yes, the OP should start with the insurance company or his HR department. If he doesn't like the answer, he can call the DOI to get the state limit to see if his company is complying.
So yes, you are wrong and right.
As far as letters behind my name, I was going to get CPCU, but then found that it stood for Can't Produce Can't Underwrite.
_________________
Can I say I’m working if I stare blankly at my computer all day? |
|
Dasfuk
Senior member
Joined: 27 Feb 2008
Posts: 597
Location: Ohio
24.03 Dollars($)
|
|
| Posted: Wed Mar 24, 2010 8:13 pm Post subject: |
|
|
Well they wanted to know who to ask. I told them. I have found that when you tell lsy folks too much, you confuse them. So if the adminstrator is "following the rules", that's the only call they should need to make.
I think we spend too much time trying to prove others wrong or show our intelligence.
I just try to keep it simple.
_________________
Lead source for agents
http://www.insuranceleads.com/?s=agtref&k=227879
http://www.65healthinsurance.com./ |
|
Pirate91
Member
Joined: 17 Jul 2008
Posts: 72
15.21 Dollars($)
|
|
| Posted: Fri Mar 26, 2010 1:01 pm Post subject: |
|
|
A student needs to be careful when he's graduating from college and taking up a job. He might just stand uninsured at this juncture, and that too without his knowledge.
_________________
Insuranceguy.ampminsure.org |
|
Juanita
Moderator
Joined: 04 May 2007
Posts: 735
Location: Idaho
137.01 Dollars($)
|
|
