Staying on parents' health insurance

by Guest » Mon Mar 22, 2010 09:54 am
Guest

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?

Total Comments: 20

Posted: Mon Mar 22, 2010 02:07 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).

Posted: Mon Mar 22, 2010 08:15 pm Post Subject:

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.

Posted: Mon Mar 22, 2010 09:56 pm Post Subject:

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 8)

Posted: Mon Mar 22, 2010 10:11 pm Post Subject:

It IS up to the adminstrator. I was a 3rd party benefits admin. for SBC and ChevronTexaco. One stated off at 19 if not going to college, the other was 24 even if you are laying on the couch.

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 8)

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.

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.

Posted: Wed Mar 24, 2010 03:17 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

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

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 8)

Posted: Wed Mar 24, 2010 03:51 am Post Subject:

According to Obamacare: Yes He Can!


:roll:

Posted: Wed Mar 24, 2010 01:32 pm Post Subject:

So I guess you want the original poster to call the state insurance department. Good luck. When they are told to call the plan administrator to find out the real answer, maybe they will come back and tell us.

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