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.
"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
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 ...
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.
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?
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?
This is Federal. It goes for all states. It’s the big BCBS in the sky.
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!”
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.
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.”
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.
They can't do that unless you let 'em anyway, no matter what they tell you.
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?
Maybe the plan is to somehow get the parents on the hook for those student loans.
Is it a plan for Federal Government employees?
“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.)
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.
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?
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.