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: Wed Mar 24, 2010 07:57 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 8)
Posted: Wed Mar 24, 2010 08:01 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.
Posted: Wed Mar 24, 2010 08:13 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.
Posted: Fri Mar 26, 2010 01:01 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.
Posted: Sat Mar 27, 2010 06:17 am Post Subject:
I thought it's till the earlier one between your 23rd birthday and your graduation. I guess it's better that your parents inquire at their work place.
Posted: Sat Mar 27, 2010 09:09 am Post Subject:
Make sure that you stay covered during your summer breaks. The period between the spring semester and the fall semester is worth mentioning.
Posted: Sun Mar 28, 2010 12:43 am Post Subject:
Since health reform passed the new cut off age for children living at home is 26.
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"
There is a big difference between "following the rules" and "making the rules".
What InsTeacher attempted several times to explain to your blind eye or deaf ear is that ADMINISTRATORS must follow state law first, and the plan documents second. If the plan documents are in contradiction with state law, who do YOU think will win?
Not the administrator!
Let's say the plan document states a person must be dropped from the plan at age 24, without reference to prior disability (how about severe cerebral palsy, and wheelchair bound, and diagnosed at age 9?). When the child turns 24, if the ADMINISTRATOR attempts to drop the child from the plan, he will discover that state law requires the child to be continued on the plan for as long as his disability lasts.
The administrator cannot say, "I'm just doing what the plan says." The plan is in conflict with state law, and state law controls.
On the other hand, if the company that created the plan that is being overseen by the ADMINISTRATOR says that it wants to cover all married children who were once dependents under the plan, and who live in their own home and are not dependent on the covered employee, the company is absolutely free to do so. There is no conflict with state law. Again, the ADMINISTRATOR does not make the decision as to who qualifies, the administrator makes sure that all who are covered are entitled to be covered according to the plan documents.
So there's no argument here as to what an administrator can or cannot do, but you seem to think there is.
Posted: Wed Apr 28, 2010 08:21 pm Post Subject:
Blind eye and deaf ear? The poster wants to know about staying on the parents health insurance, they didn't ask who made the rules. And I thought this horse had been beat enough....
Posted: Wed Mar 24, 2010 07:57 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 8)
Posted: Wed Mar 24, 2010 08:01 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.
Posted: Wed Mar 24, 2010 08:13 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.
Posted: Fri Mar 26, 2010 01:01 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.
Posted: Sat Mar 27, 2010 06:17 am Post Subject:
I thought it's till the earlier one between your 23rd birthday and your graduation. I guess it's better that your parents inquire at their work place.
Posted: Sat Mar 27, 2010 09:09 am Post Subject:
Make sure that you stay covered during your summer breaks. The period between the spring semester and the fall semester is worth mentioning.
Posted: Sun Mar 28, 2010 12:43 am Post Subject:
Since health reform passed the new cut off age for children living at home is 26.
Posted: Tue Apr 20, 2010 01:52 pm Post Subject:
Yeah he can stay in his parents health care...
Health Insurance tx
Posted: Wed Apr 21, 2010 09:23 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"
There is a big difference between "following the rules" and "making the rules".
What InsTeacher attempted several times to explain to your blind eye or deaf ear is that ADMINISTRATORS must follow state law first, and the plan documents second. If the plan documents are in contradiction with state law, who do YOU think will win?
Not the administrator!
Let's say the plan document states a person must be dropped from the plan at age 24, without reference to prior disability (how about severe cerebral palsy, and wheelchair bound, and diagnosed at age 9?). When the child turns 24, if the ADMINISTRATOR attempts to drop the child from the plan, he will discover that state law requires the child to be continued on the plan for as long as his disability lasts.
The administrator cannot say, "I'm just doing what the plan says." The plan is in conflict with state law, and state law controls.
On the other hand, if the company that created the plan that is being overseen by the ADMINISTRATOR says that it wants to cover all married children who were once dependents under the plan, and who live in their own home and are not dependent on the covered employee, the company is absolutely free to do so. There is no conflict with state law. Again, the ADMINISTRATOR does not make the decision as to who qualifies, the administrator makes sure that all who are covered are entitled to be covered according to the plan documents.
So there's no argument here as to what an administrator can or cannot do, but you seem to think there is.
Posted: Wed Apr 28, 2010 08:21 pm Post Subject:
Blind eye and deaf ear? The poster wants to know about staying on the parents health insurance, they didn't ask who made the rules. And I thought this horse had been beat enough....
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