What is the age limit for a son or daughter will be covered by health insurance?
Several years ago, I remember reporting that children can not access the health insurance of their parents at age 25, will be carried out without proof that he is a student. My son is a student, but I’m still trying to have the law on finden.Ich my answer and the answer is 25 I have to go have qualified my question with the words “Texas”. Http: / / www. Texas Health Options. / Cp com / students. html # continue about halfway down, dependent Abarca, Texas Department of Insurance.GEBIETE UNTERHALTSVERPFLICHTUNGENKinder and grandchildren a plan for the care of dependent family members are eligible next fall until the age of 25. State law requires that plans provide comparable coverage for a dependent provided if parents are registered is required to provide medical child under court order. The plan may not require the child to live in the service area or live with parents …. Big plans, employers are subject insured must also include coverage of children under 25 years. However, with the exception of emergency care and unauthorized transfers, an HMO may require that students receive the services under the plan to return to medical care.
March 6th, 2010 at 3:13 am
It is not a law. Check your insurer’s policy.
March 6th, 2010 at 3:55 am
I believe it is age 18.
In Maryland, there is a law allowing children to keep their parent’s insurance [excluding federal employees'] until 21.
March 6th, 2010 at 4:52 am
There is no such law. It is up to the health insurer. Most employer policies set a limit of 23 (with proof of student) with an unlimited age if your child is completely and totally disabled and needs you as a subscriber for ALL his/her support.
March 6th, 2010 at 5:45 am
I think it is 22 years, but it may depend on you health insurance provider. Health insurance and being a student do not change the decision of the insurance company.
March 6th, 2010 at 6:43 am
I’m insured under my mother’s insurance with Cigna and I am 23. I was told that as long as I am under 24 I can continue to be insured under her policy. Other insurances have the same policy as long as you show proof that he/she is in college. There is no “law” that says this, insurance companies have the right to make their own regulations and rules about who or when to insure a person.
March 6th, 2010 at 7:10 am
It depends on the insurance company. I’m on my dad’s insurance until I am 25 as long as I’m a student. And we have to prove that I’m a student each new semester.
March 6th, 2010 at 7:31 am
It’s not the law it’s usually up to your insurance carrier. My parents were able to insure me as long as I was a full time student they covered me until I was 24 and graduated from college. Once I left school I was off of their policy.
Call your insurance carrier and ask them.
March 6th, 2010 at 7:37 am
There is no national law, and most states don’t have such a law either.
At least one state does have the type of law you are describing…however, even then there are restrictions on that coverage.
For example, in New Jersey, according to state law a dependent can be left on the plan until age 30 if he/she meets certain criteria. Here are the requirements, from New Jersey’s Department of Insurance website: http://www.state.nj.us/dobi/dependentsunder30.htm
I thought I recalled hearing about a similar law for West Virginia, but a quick search online didn’t turn up anything.
You didn’t mention what state you live in, but almost every state has no such law. So, its likely that you’re out of luck. The student requirement is up to each employer to negotiate when they establish their benefit plan, and the rules for your benefit plan should be pretty cut and dry.
March 6th, 2010 at 8:18 am
There’s no blanket answer. There’s no “law”. Each insurance company is allowed to make it’s own rule.
Generally, most cease when the child turns 19 if he’s not in school full time, or 23 if he is in school full time, unless you’ve got a severely handicapped child (like downs syndrome) who can be kept on your plan forever.
Bottom line – you have to read your policy.
March 6th, 2010 at 9:27 am
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