NFT: health insurance for dependent under age of 26 - question

the only way they can drop her is if she has a job where she can get insurance through it.

Could be wrong, but I dont think they can drop her off of her dads plan unless she has a job with employer provided health coverage

I just turned 25 in March. Apparently it was because my job offered HC, so I had to get it through them. I was under the impression I could stay on my dads, but apparently not.

However in my case I signed a form (with my insurance company) a year or two prior to the Affordable health care act became law that grandfathered in my old plan and therefore it doesn't to meet every new requirement. Maybe he or his company did something similar at some point when all the changes were looming on the horizon.

is not something that was put in under the ACA, it was put into place in 2010 I believe

college student?

Regardless, I Grandfather my plan way before any of the changes occurred. He plan may have done something similar.

grandfathering or not, under the law passed in 2010 the only way someone could be dropped before 26 is if they have access to employer sponsored health care on their own.

not right now. she is still waiting on masters programs to hear back from for Speech Language Pathology

she is currently working(but hates her job) at a rehab hospital. she is considered full time there but does not opt for insurance there. she prefers to stay on her parents plan

thanks for the responses

thats why they dropped her, I dont believe she is allowed to choose to stay on her parents plan when its offered to her at work.

If she goes to graduate school she can re-enroll in her parents plan.

That may very well be. I have not sat down to analyze what changes were made at the time (they grandfather it) and which mandates my plan was able to avoid changing. I just know that I did it and my plan has stayed exactly the same since I signed that form while many other people I know have had their plans dropped. I buy my own individual insurance which might be another variable as well.

I just thought I would mention it as a possibility that's all.

then she can go back on her parents as well?

I went through this with my dads insurance so I speak from experience with it.

Dean, or if she quits her job she can re-enroll, doesnt even need to be graduate school enrollment, so if she quit her job a couple months before she enrolls in graduate school she can be covered for those months

be offered health insurance at her current job

isnt offered employer sponsored health care then yes she can go back on. If the employer is offering her health insurance then she has to take theirs.

it is exactly that
if she gets Healthcare thru employer then she is dropped from parents health insurance

but mook this is absolutely part of Obamacare
it was the first thing enacted when ACA passed

everyone

it goes under health care reform but this was passed in 2010 wasn't it? And that was before ACA was passed no?

I am carrying my daughter on my insurance until she is 26. I confirmed that it doesn't matter whether she's a student, employed, etc.

So, she has a full-time job, but turned down health coverage so she could stay on mine and not have to pay for her own.

But although it was part of HC reform, it was not supposed to be phased in until 2014.

Private insurers started offering the benefits earlier in 2010.

she has been working at her current job for about 1.5 yrs, just turned 24. she initially turned down HC coverage through employer as she was covered by her dads. she was just dropped from her dads

Kevin may be right and this may have changed in the last year, I havent stayed up on it since it no longer applies to me and I have my own health insurance but check this out, may be worth a call to the insurance company as they could be trying to pull a quick one and hoping she doesn't fight it
link - ( New Window )

sponsored health insurance, I believe you can stay on your parents plan until 26.

I think for plans pre-2010, this is not the case.

As Mook stated, it may be worth a phone call to the HI company.

ACA was enacted on June 25, 2010, including the provision to keep children up to 25 on parents' plans.

all

Can children stay on a parent’s plan until age 26?

If a plan covers children, they can be added to or kept on a parent's health insurance policy until they turn 26 years old.

Children can join or remain on a parent's plan even if they are:

married
not living with their parents
attending school
not financially dependent on their parents
eligible to enroll in their employer’s plan

These rules apply to both job-based plans and individual plans you buy yourself, inside or outside the Marketplace.


healthcare.gov - ( New Window )

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Link - ( New Window )

24 is the cutoff date. if your employer does not offer insurance then you use COBRA.

because many plans used to have a student requirement for coverage over a certain age, and their programs were set up to drop coverage for anyone over 18? (or some age) that no longer had a student status.

If your girlfriend calls they might just simply reinstate her.

we dont know the specifics of his specific plan, but that explanation doesnt make sense.

If they said it was because she had a job that offered it, then I could understand that.

But I'm fairly sure the 26 thing applies to all insurance plans. Just depends on whether or not they can drop you if you have a job that offers it.

I would fight that one.

In comment 11630231 DCPollaro said:

Quote:

24 is the cutoff date. if your employer does not offer insurance then you use COBRA.

How is the cutoff date 24 when healthcare.gov says 26? would be my question ...

and drop her on your daddy warbucks insurance

and has remained on my plan. Have Oxford and called them at the time to be sure it was allowed. She is 24.

In comment 11630240 MookGiants said:

Quote:

we dont know the specifics of his specific plan, but that explanation doesnt make sense. If they said it was because she had a job that offered it, then I could understand that. But I'm fairly sure the 26 thing applies to all insurance plans. Just depends on whether or not they can drop you if you have a job that offers it. I would fight that one.

From the Dept of Labor (link below)

Q2: What plans are required to extend dependent coverage up to age 26?

The Affordable Care Act requires plans and issuers that offer dependent coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage. This rule applies to all plans in the individual market and to new employer plans. It also applies to existing employer plans unless the adult child has another offer of employer-based coverage (such as through his or her job). Beginning in 2014, children up to age 26 can stay on their parent's employer plan even if they have another offer of coverage through an employer.


Dept of Labor - ( New Window )

on the exchanges.

I don't know the answer to this specific question. Probably worth asking the employer for an explanation.

we have ...

Children can join or remain on a parent's plan even if they are: eligible to enroll in their employer’s plan

and

Beginning in 2014, children up to age 26 can stay on their parent's employer plan even if they have another offer of coverage through an employer.

unrelated to this thread, but on a thread a few weeks back about, I was totally and completely joking about you selling your company watch, and I think you took it as if I wasn't.

Thread was deleted for some reason so I didn't get a chance to clear it up then, but just wanted to let you know I was messing around (as I tend to do, hah...)

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that doesn't make sense to me. She should be able to stay on until 26 even if she is eligible for health benefits through her employer.

That explanation that the company gave her would be news to me about getting cut off at 24.

the ACA shot your grandfather in the head.

The whole thing is just stupid. It needs for young adults to get their own plan and pay into the system... yet at the same time it allowed those young adults to be covered under dad's plan.

...

Tell them your situation and find out what your recourse is. Either your insurance company is mistaken, or they're trying to break the law.