Skip to comments.Obamacare: MUST keep children under 26 on parent's plan
Posted on 11/29/2012 12:10:31 PM PST by Help!
I work in HR. We are being told by Blue-cross Blue-shield Insurance that dependents CANNOT be removed from the insured's policy until they turn 26, even if they get married (and have coverage under a spouse), take a job on their own (and have their own coverage), leave home (no longer living in a parent-child relationship), etc. etc. This includes a non-adopted step-child. They are saying it is ILLEGAL under Obamacare to remove that child from the insured's coverage. The parent's coverage would be primary and if they got another policy it would be secondary. Seems this make the parent also responsible for all the medical expenses above and beyond what the policy covers, besides costing the parent more for family coverage even if they only need self-only if the child is off the plan.
So... 11 year olds are mature enough for sex, according to leftists, but need parents to insure them until they are 26?
I do not think what you are being told is true. Looking for a source. In the meantime, ask your BC/BS person to cite you the text of the requirement in the law. Tell them you are not sure that is true, and need to see it before imposing this on your employees.
In keeping with the ‘make the other side pay our constituents’ bill’ overall theme of this communist administration.
My step daughter is on my wife’s policy. My wife is not responsible for any uncovered medical charges UNLESS she signs for them.
I just removed 2 of mine from BC/BS...saved 240.00 per mo. They can afford their own.
My guess is that the government is making this sh!t up as they go along. They don’t know what is in the law, probably won’t because they’ve likely just started bluffing.
If it was me, I’d make whoever said I can’t drop my out-of-home working child under 26 (but over the legal dependency age) quote to me EXACTLY, chapter and verse, where the LAW actually says this. If they spout something, I’d tell them to give that to me in writing on their letterhead as an established policy.
That doesn’t make sense. They are no longer Dependents if they are married and have their own insurance. But who knows with Obamacare. I would like to know a definitive answer to this question.
I was born Feb 29 1948 ... I’m only 16 ...
“Brave New World” comes to mind...
See page 20 of that brochure (Maryland)
That one is from Sen. Durbin of IL
There are probably more.... What state are you in?
This is the liberal plan. Make responsible parents all pay for the indiscretions of the immature children. No reason for anyone under 26 to be responsible for their choices. Force an entire productive generation into paying for a wild lifestyle. PERIOD. Comrade.
It’s all over 0bamacare - “at the secretary’s discretion” etc.
Further, if it is what you assume as the insurance company ‘trying to play it safe’, ask them will they assume 100% coverage for the child even though they may be covered by another policy. Will they forego subrogating any claims to the other company? Will they give this guarantee in writing? If not, will they reduce the policy because they aren’t giving ‘full-coverage’ insurance?
give them condoms and ritalin....
Brave New World
But the bottom line is that you may have some recourse with the insurance company. See my later post. They can’t play both sides.
Another place to look.
A business owner I know who recently renewed his health plan was told that he also has the OPTION to add employee child coverage to AGE 30.
And you can be tootin-danged-sure that what is an OPTION today will become THE LAW tomorrow.
The plan here is to forgive all the student loans, give all the kiddies benefits and then ship them all back into grad school. Will keep the Liberal Academics fat and happy and keep Obama’s unemployment numbers from zooming off the charts.
That’s they way it’s done in Europe anyhow.
You are unable to deny a parent keeping their adult child on their plan up until they reach 26. The parent is not compelled to put their child on their plan.
Senator Durbin’s page says they will have coverage under a parent’s plan unless they have their own insurance. But he’s a politician. I did not check your other link.