can a health insurance company drop a dependent before the age of 26?
my girlfriend was notified that she was being dropped from her dad's healthcare plan. she just turned 24. her dad retired from a company and gets his insurance through his old employer where he retired from. Is this different for insurance plan/provider. I thought the age was 26. Does him being 'retired' have anything to do with it
will delete once i get some responses
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
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
If she goes to graduate school she can re-enroll in her parents plan.
I just thought I would mention it as a possibility that's all.
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
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
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.
Private insurers started offering the benefits earlier in 2010.
link - ( New Window )
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.
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 )
Link - ( New Window )
If your girlfriend calls they might just simply reinstate her.
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.
How is the cutoff date 24 when healthcare.gov says 26? would be my question ...
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 )
I don't know the answer to this specific question. Probably worth asking the employer for an explanation.
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.
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...)
That explanation that the company gave her would be news to me about getting cut off at 24.
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.