Up to Age 26 on Parents' Plan

[stuy119]

Do you mean when in September?
Its the end of September, like the 26th or so.

Actually, that's a good point.

In Sept., individual plans become GI for the under 18 set, but they can still be covered under their parent's plan.

I get the feeling that there are going to be a lot of pissed off parents come 2011 when they're stuck paying for coverage on their lazy-ass kids.

 

[0b1kanobee]

My girlfriend resides in Florida. She wants to put her 19 y.o. daughter on her plan through work. Does she have to wait till September? She also claims her as a dependent and the daughter is a full-time student.

Just wondering if any suggestions???? The 19 y.o. is a smoker with chronic bronchitus. Would she even qualify for her own plan?

What is the best thing for them to do?

 

[scagnt83]

My girlfriend resides in Florida. She wants to put her 19 y.o. daughter on her plan through work. Does she have to wait till September? She also claims her as a dependent and the daughter is a full-time student.

Just wondering if any suggestions???? The 19 y.o. is a smoker with chronic bronchitus. Would she even qualify for her own plan?

What is the best thing for them to do?

Yes.
Again, the up to 26 on parents plans rule starts the end of September, for everyone.

End of September your girlfriend will be able to add her daughter onto her plan through work.
Adding her on may or may not be advantageous. The daughter would probably qualify for her own individual plan. I would at least run her through underwriting and get a quote on her. Then compare the price to adding her onto her moms plan.

 

[stuy119]

My girlfriend resides in Florida. She wants to put her 19 y.o. daughter on her plan through work. Does she have to wait till September? She also claims her as a dependent and the daughter is a full-time student.

Just wondering if any suggestions???? The 19 y.o. is a smoker with chronic bronchitus. Would she even qualify for her own plan?

What is the best thing for them to do?

And people wonder why costs for medical care and insurance keep going up and up, and if there is ANYTHING that can be done to control those costs.

LO-freakin'-L

 

[retread]

Keep in mind that the "child" must be declared as a dependent AND not be able to get group where they work, (if they work).

Personally, I changed the locks on the door every time a kid of mine turned 21.

 

[dgoldenz]

Wouldn't this also further increase group premiums by running up family claims. A family that may have had one child age 15 and 3 kids age 18-26 who would otherwise be off the plan (let's say they aren't in school) can now have all four kids on the same plan at the same price.

 

[stuy119]

Wouldn't this also further increase group premiums by running up family claims. A family that may have had one child age 15 and 3 kids age 18-26 who would otherwise be off the plan (let's say they aren't in school) can now have all four kids on the same plan at the same price.

Yep.

And a bigger pet peeve of mine, how in the hell are people going to be able to retire when they're paying for their kids health insurance until they're 26 years old? And they want to make it up to 29 or 30?!?!? WTF?!?!?

 

[Norwayguy]

I disagree with the up to age 26 like most people on here...my question is there any requirement that the parent provide the coverage for the adult child....Think about it I'm not legally responsible for them at age 26 and if they can't buy their own coverage and at this point with GI there should be no reason why they can't get their own coverage...Is there a requirement that the parents carry them?

 

[bill3173]

I disagree with the up to age 26 like most people on here...my question is there any requirement that the parent provide the coverage for the adult child....Think about it I'm not legally responsible for them at age 26 and if they can't buy their own coverage and at this point with GI there should be no reason why they can't get their own coverage...Is there a requirement that the parents carry them?

You're getting close to the problem. If there is a GI mandate with a subsidy, you will have 20 somethings that were either on their parent's plan, or paying for it, that will be getting subsidized in the future.

With a subsidy, it will not be necessary for parents to pay for their adult children's policies, further burdening the system. I have 15+ policies on 20 somethings being paid for by the parents.

They have separate dwellings but very small, or no earned income. The parents have them on an allowance and pay their health, car, etc.

The way it's written, it's almost like an unintended subsidy for the rich.

 

[arnguy]

"AGE 26 COMES EARLY
National carriers (Blue Cross Blue Shield Association, United, WellPoint, Aetna) have decided to implement the age 26 requirement contained within the new Federal health reform law June 1 instead of the legal date of September 23. Doing so allows young adults just out of school to continue on their parents' policy instead of forcing a gap in coverage over the summer and significant administrative costs regarding termination, reinstatement, and student verification. Pennsylvania lawmakers will have to review PA's Act 4 (SB 189) which extends dependent coverage through 29 for unmarried young adults. The Federal requirement is not optional like Act 4 and includes married persons to be dependents on their parents' policies."

The above is pasted from a newsletter I received yesterday. Note the conflict bertween the Federal law and the State (PA) law.