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Obamacare: MUST keep children under 26 on parent's plan
self ^ | 11/29/2012 | Help!

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.


TOPICS: Government; Your Opinion/Questions
KEYWORDS: coverage; dependent; insurance; obamacare; vanity
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Has anyone dredged this out of the ACA?
1 posted on 11/29/2012 12:10:36 PM PST by Help!
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To: Help!

So... 11 year olds are mature enough for sex, according to leftists, but need parents to insure them until they are 26?


2 posted on 11/29/2012 12:15:16 PM PST by GeronL (http://asspos.blogspot.com)
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To: Help!

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.


3 posted on 11/29/2012 12:17:56 PM PST by NEMDF
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To: Help!

In keeping with the ‘make the other side pay our constituents’ bill’ overall theme of this communist administration.


4 posted on 11/29/2012 12:21:42 PM PST by skeeter
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To: NEMDF

My step daughter is on my wife’s policy. My wife is not responsible for any uncovered medical charges UNLESS she signs for them.


5 posted on 11/29/2012 12:22:36 PM PST by Mouton (Voting is an opiate of the electorate. Nothing changes no matter who wins..)
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To: Help!

I just removed 2 of mine from BC/BS...saved 240.00 per mo. They can afford their own.


6 posted on 11/29/2012 12:22:42 PM PST by hope
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To: Help!

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.


7 posted on 11/29/2012 12:23:24 PM PST by Gaffer
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To: Help!

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.


8 posted on 11/29/2012 12:23:52 PM PST by petitfour
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To: Help!

I was born Feb 29 1948 ... I’m only 16 ...


9 posted on 11/29/2012 12:24:29 PM PST by knarf (I say things that are true ... I have no proof ... but they're true)
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To: GeronL

“Brave New World” comes to mind...


10 posted on 11/29/2012 12:24:38 PM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: Help!

http://www.mdinsurance.state.md.us/sa/docs/documents/consumer/publicnew/consumerguidetohealthinsurance.pdf

See page 20 of that brochure (Maryland)

http://durbin.senate.gov/public/index.cfm/frequently-asked-questions-about-health-care-reform#forIndividuals_children

That one is from Sen. Durbin of IL

There are probably more.... What state are you in?


11 posted on 11/29/2012 12:24:50 PM PST by NEMDF
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To: Help!

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.


12 posted on 11/29/2012 12:25:27 PM PST by George from New England (escaped CT in 2006, now living north of Tampa)
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To: Gaffer

It’s all over 0bamacare - “at the secretary’s discretion” etc.


13 posted on 11/29/2012 12:25:39 PM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: Gaffer

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?


14 posted on 11/29/2012 12:28:23 PM PST by Gaffer
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To: MrB

give them condoms and ritalin....

yep

Brave New World


15 posted on 11/29/2012 12:28:29 PM PST by GeronL (http://asspos.blogspot.com)
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To: MrB

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.


16 posted on 11/29/2012 12:29:20 PM PST by Gaffer
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To: Help!

http://answers.healthcare.gov/categories/1704

Another place to look.


17 posted on 11/29/2012 12:29:46 PM PST by NEMDF
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To: GeronL

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.


18 posted on 11/29/2012 12:32:12 PM PST by Buckeye McFrog
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To: Help!

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.


19 posted on 11/29/2012 12:32:50 PM PST by kingu (Everything starts with slashing the size and scope of the federal government.)
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To: NEMDF

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.


20 posted on 11/29/2012 12:34:17 PM PST by petitfour
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To: Help!
"You'll have to wait until the bill is passed to find out what's in it." - Nanzi Pelozi 2010

"You'll have to wait until the law goes into effect to find out what's in it." - Nanzi Pelozi 2012

"You'll have to wait until the IRS arrests you to find out what's in the law." - Nanzi Pelozi 2014

"You'll have to wait until you've served your sentence to find out what's in 0bamaCare." - Nanzi Pelozi 2016

"You'll have to wait until you've paid all of your fines to find out how much you owe." - Nanzi Pelozi 2018

21 posted on 11/29/2012 12:36:19 PM PST by TigersEye (Who is John Galt?)
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To: Help!

My state just changed the age for emancipation from 21 to 19. But I guess the feral government knows what’s best for all of us ...


22 posted on 11/29/2012 12:36:30 PM PST by tumblindice (America's founding fathers: All armed conservatives.)
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To: George from New England

Typical Obama trying to take credit for stuff other people do.

In The Life of Julia - Obama is Julia’s sugardaddy.

But in reality - Obama is just forcing Julia’s parents and their employers to foot the bill while he gets credit.


23 posted on 11/29/2012 12:38:48 PM PST by Scotswife
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To: GeronL
So... 11 year olds are mature enough for sex, according to leftists, but need parents to insure them until they are 26?

And who's supposed to insure the grandkids? If the kid is a minor (or adult up to 26) with a baby - who insures the baby? How does this work?

24 posted on 11/29/2012 12:43:09 PM PST by SCalGal (Friends don't let friends donate to H$U$, A$PCA, or PETA.)
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To: Help!

I love how “fixing” healthcare was acccomplished by saying i can still pay for my kids health insurance until they are 26? Gosh, can we also pay their rent? Their car payments? How about they don’t get a job for 5 years after college and they can travel, snowboard and backpack too. And i pay for all of it. This solves a lot of problems if parents will keep providing everything they need!

Wonder why nobody ever thought of this solution before?


25 posted on 11/29/2012 12:48:41 PM PST by DesertRhino (I was standing with a rifle, waiting for soviet paratroopers, but communists just ran for office.)
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To: NEMDF

This is Federal. It goes for all states. It’s the big BCBS in the sky.


26 posted on 11/29/2012 12:52:52 PM PST by Help!
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To: SCalGal

MEDICAID!


27 posted on 11/29/2012 12:53:10 PM PST by Mouton (Voting is an opiate of the electorate. Nothing changes no matter who wins..)
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To: Help!

Liberal Thought Process:
“Adults” aged 12-17...old enough to make sex/abortion decisions.
“Adults” aged 16...old enough to emancipate from parents.
Adults aged 18...old enough to decide to smoke and vote and be DRAFTED.
“Children” aged 18-20...NOT old enough to decide to drink alcohol.
“Adults” aged 21...old enough to drink alcohol.
“Children” aged 18-25...NOT old enough to provide their own health insurance.
Adults aged 26...FINALLY old enough to care for themselves!

What kind of twisted logic does it take to have ANY of this make sense?!?!?

As the old saying goes, “Liberalism IS a mental disease!”


28 posted on 11/29/2012 12:53:30 PM PST by ExTxMarine (PRAYER: It's the only HOPE for real CHANGE in America!)
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To: Help!

I’ve been told by HR reps that I can’t drop my secondary insurance (even during open enrollment) because state law says I have to have a life altering event to do so - that once I have the insurance, I have to keep the coverage. I don’t believe that was correct either, but I was forced to keep my secondary insurance against my will even during an open enrollment period.


29 posted on 11/29/2012 1:00:15 PM PST by jurroppi1
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To: Help!

Why is this news to you? It’s been in effect since - “Effective for Plan or Policy Years Beginning On or After September 23, 2010.”

http://www.dol.gov/ebsa/newsroom/fsdependentcoverage.html


30 posted on 11/29/2012 1:00:58 PM PST by Graybeard58 (What G.O.P.e. candidate is in store for us in 2016?)
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To: George from New England

I wonder if this means that CPS can waltz into your house and investigate you for possible child abuse, until the child is 26.
Or are they only minors when it comes to obamacare?
Do they want it to be confusing? Perhaps.
Wouldn’t surprise me if one day the government ruled that everyone is hereafter 3/5 of a person...the rest is government property.


31 posted on 11/29/2012 1:02:22 PM PST by HomeAtLast
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To: DesertRhino
Wonder why nobody ever thought of this solution before?

Of course, before seeing if this solution is viable, someone, using ObamaCare as the precedent, will recommend that we solve homelessness by decreeing that everyone MUST purchase a home, and poverty will be ended by decreeing that all employers MUST pay their employees $1 million a year!

I can't wait for all the other great "solutions" which will be instilled using ObamaCare as the precedent! Can you imagine how GREAT it will be?
32 posted on 11/29/2012 1:03:31 PM PST by ExTxMarine (PRAYER: It's the only HOPE for real CHANGE in America!)
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To: HomeAtLast
I wonder if this means that CPS can waltz into your house and investigate you for possible child abuse

They can't do that unless you let 'em anyway, no matter what they tell you.

33 posted on 11/29/2012 1:04:14 PM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: Help!

What is the exact name of the carrier for the group insurance? Blue Cross/Blue Shield of ... ? state? Anthem BC/BS? There is no federal BC/BS. Did they give you something in writing?


34 posted on 11/29/2012 1:04:29 PM PST by NEMDF
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To: Buckeye McFrog
The plan here is to forgive all the student loans, give all the kiddies benefits and then ship them all back into grad school.

Maybe the plan is to somehow get the parents on the hook for those student loans.

35 posted on 11/29/2012 1:05:35 PM PST by ladyjane (For the first time in my life I am not proud of my country.)
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To: Help!

Is it a plan for Federal Government employees?


36 posted on 11/29/2012 1:11:14 PM PST by NEMDF
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To: kingu

“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.”

But what if the “child” of 26 doesn’t have another plan - are you saying the gov’t would allow them to not be covered? I thought that was the whole point of Obamacare was to have insurance for everyone?

This will get really confusing and expensive. I think government should just take control of the entire health industry to make it one, easy, central thing. /s (That is the plan you know - it never was about health insurance - it is about health CARE. Well really it is about POWER.)


37 posted on 11/29/2012 1:12:09 PM PST by 21twelve (So I [God] gave them over to their stubborn hearts to follow their own devices. Psalm 81:12)
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To: Help!

I also fear being responsible for medical bills of young adult offspring.

My stepson did something stupid and had to go to the hospital, when he was 23 y/o....and I got the medical bills!

I refused to pay, and that was it.

Even if the hospital can’t legally collect from a parent, they will still try...and they will be emboldened by this new coverage.


38 posted on 11/29/2012 1:12:12 PM PST by lacrew (Mr. Soetoro, we regret to inform you that your race card is over the credit limit.)
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To: Graybeard58

That link doesn’t say what happens when an adult child has their own employer provided coverage. Do they stay on the parent’s plan as well? If the parent’s plan coverage is better, do they have to take their employer provided coverage as well? This is as complicated as the tax code.

We have a daughter who married in the past year, and we have to provide a marriage certificate to have her removed from hubby’s coverage. I’m not sure that will do the trick after reading this. Will we have to prove she has other insurance coverage?


39 posted on 11/29/2012 1:14:00 PM PST by petitfour
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To: Help!

We’ll keep our son on our policy until he’s 26, BUT:

1. He’ll pay the premium increases (for TriCare, they go up by $200 a month for 2013 and $176 a month after that.)
2. He’ll pay all of his own co-pays

I think that the big difference is that we’re military. Our kids can’t just stay on our policies after 21 (23 if a full-time college student) like they were before. We have to buy TriCare Young Adult. Also, there’s no more free-ride for them. There are co-pays and fees, even with TriCare Young Adult Prime.

This is how it should be everywhere. Let them stay on their parent’s policy, but CHARGE THEM FOR IT.


40 posted on 11/29/2012 1:17:33 PM PST by Marie ("The last time Democrats gloated this hard after a health care victory, they lost 60 House seats.")
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To: Graybeard58
Why is this news to you? It’s been in effect since - “Effective for Plan or Policy Years Beginning On or After September 23, 2010.”


http://www.dol.gov/ebsa/newsroom/fsdependentcoverage.html


The OP stated they HAVE to KEEP their children on their plan until they are 26. That requirement is nowhere to be found, at least that I can find, and your link does not force the insured to keep their children on their plan. All of the references I've found force the insurance companies to OFFER coverage of children up to age 26. Big difference.

41 posted on 11/29/2012 1:22:28 PM PST by cidrasm
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To: Graybeard58

I skimmed through that and did not see anything affirming the OP’s claims. Could you be so kind as to quote the section I missed?


42 posted on 11/29/2012 1:23:48 PM PST by steve86 (Acerbic by Nature, not Nurture™)
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To: Help!

We just switched insurance companies at work and I was given the option of leaving my 18yo son on or taking him off. Since it is the same price to cover one child as it is to cover 5 we left him on just in case. I was told that I could choose to take him off though.


43 posted on 11/29/2012 1:24:59 PM PST by momto6
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To: GeronL

This makes sense. The 20-26 age group is one of the cheapest to insure by benefits paid out. They need to collect premiums from this group to fund more expensive parts of the program, such as seniors or those receiving subsidized insurance. This was the purpose of the mandate after all.


44 posted on 11/29/2012 1:26:42 PM PST by Roland
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To: jurroppi1

What happens if you don’t pay your premium for the secondary?


45 posted on 11/29/2012 1:33:47 PM PST by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: Roland

They aren’t going to subsidize seniors, they are already slashing Medicare.


46 posted on 11/29/2012 1:46:53 PM PST by GeronL (http://asspos.blogspot.com)
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To: jurroppi1

How exactly did they FORCE you not to drop secondary insurance?

What did they say they’d do if you DID drop it?


47 posted on 11/29/2012 1:52:37 PM PST by WildHighlander57 ((WildHighlander57 returning after lurking since 2000))
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To: Marie

I believe that it does work that way in the private sector. Also, the employer does not even have to subsidize the dependents’ coverage, even if they subsidize the employee’s (and spouse in some situations) coverage. The employer can charge the employee a FULL ADULT premium for the 26 year old.


48 posted on 11/29/2012 2:09:58 PM PST by NEMDF
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To: NEMDF

Wonderful! And this is how it should be.

The libs are going to have a fit when it dawns on them that they’ll have to pay for their ‘free’ healthcare.

I actually like the way Obamacare works for young people. Do the right thing, have health insurance, or pay a penalty. Give them more opportunities for affordable healthcare.

I think that it’s straight-up evil for the elderly. I am scared for my mom.


49 posted on 11/29/2012 5:18:39 PM PST by Marie ("The last time Democrats gloated this hard after a health care victory, they lost 60 House seats.")
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50 posted on 11/29/2012 5:22:20 PM PST by musicman (Until I see the REAL Long Form Vault BC, he's just "PRES__ENT" Obama = Without "ID")
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