Affordable Health Insurance Plans for Individuals, Families and Small Businesses

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Dependent Care Coverage

The “Patient Protection and Affordable Care Act of 2010”, as amended by the “Health Care and Education Reconciliation Act of 2010” (together referred to as the health care reform law), includes provisions to extend health care coverage on parents’ policies to adult children. Specifically, this provision extends coverage to adult children up to age 26 on their parents’ policy, for plan benefit years beginning September 23, 2010.

Recognizing that many young people may lose their coverage because of their age, student status, including graduation from school, or other factors, CareFirst has joined with 38 other independent Blue Cross and Blue Shield plans to accelerate the extension of dependent coverage to June 1, 2010.

This extension of coverage applies to all CareFirst members insured under our individual, direct-to-consumer plans, as well as members who receive CareFirst coverage through their employer’s fully insured plan. After June 1st, qualified dependents may enroll for coverage under their parents’ policy, beginning on the first of the month following their enrollment. (i.e.: Dependents who re- enroll on June 5, 2010 will be covered beginning July 1, 2010.)

There will be no opportunity for retroactive enrollment for these dependents. As of June 1st, eligible dependents may enroll and secure coverage under their parents’ policy. A dependent qualifies if he/she:

* Is under the age of 26; and is not eligible for coverage under an employer- sponsored health plan (applies only to group plans).

* A married dependent does qualify, but his/her spouse and children do not.

Fully insured groups and/or their agents/brokers will be responsible for ensuring that they perform any validity checks with regards to dependent eligibility. In addition, employers are also required to notify their employees of the details of this provision.

 

 

Sebeniecher Insurance Group | Phone: (410) 825-3569 | Email: contact@SebeniecherGroup.com