If plan is made up of only retirees, the new health law provision may not apply
Article Source: msnbc.com
from:msnbc.comInsurance for retirees may not cover adult kids to 26
Seeded on Wed Nov 24, 2010 9:25 AM EST (msnbc.com)
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LOL...Mr. Obama and HIS change are going to be the ruin of this country. NOBODY even knows what is in HIS stupid health care plan...NOT even him. And wait until your tax bill comes in to pay for this nonsense. One term and out for this one and his administration.
Don't blame Obama, blame the rapacious, greedy, Mammon-worshipping Capitalists in the Insurance Industry.
Here....Here.....Socialists the world over unite!!!! Just do it somewhere else though. Why not take your Mammary sucking socialist crap to Greece where it belongs. You deserve it.
@Brandon----Greed is goooood!
After graduation and with his Bachelor's degree securely in hand, the student could continue studying towards a Graduate degree or he could take some courses he has an interest in studying but did not have much time to pursue. It should be relatively inexpensive to continue his education at a community college while he works towards a two-year degree at a somewhat slower pace (i.e., take three years) and tries to start full time employment.
Mr RI Scholar- Can you also give us the best strategy to suck the most welfare from taxpayers or are you only good from a more educated government teat sucking?
I don't agree with keeping children on until age 26 wtf, get a job. I went into the service at age 19 back in 1981 when the economy also sucked. I got my med coverage through serving our country. I was not a drain on my parents, nor should any healthy child be after leaving high school. In additon, Military families can't keep thier children on insurance after age 21 unless in college and that has a limit of age 23 not 26. DOD is not considered as part of this ugly healthcare bill. Let us teach our children how to fly out of the nest and not rely on the gov't or older adults to carry them through life.
After graduation and with his Bachelor's degree securely in hand, the student could continue studying towards a Graduate degree or he could take some courses he has an interest in studying but did not have much time to pursue. It should be relatively inexpensive to continue his education at a community college while he works towards a two-year degree at a somewhat slower pace (i.e., take three years) and tries to start full time employment.
Mr RI Scholar- Can you also give us the best strategy to suck the most welfare from taxpayers or are you only good from a more educated government teat sucking?
No able body adult should be allowed on thier parents insurance policy past 23 if a fulltime student or 21 for non student . I say able body, becauce there can be cases where it is needed. Parents need to teach thier kids how to become responsible, buying cars, paying for ins, food and all after they leave school only teaches them that somebody will do for them. This is why so few young adults have a good work ethic, no wonder the young adults like OBAMA, he is their future daddy (daddy I need).
I served in our military for 25 years and I can't carry my adult children past age 21 if not a fulltime student or 23 if a full time student. There is a bill to provide us the same to cover up to 26. I for one don't support this. Let us teach our children how to stand on their own feet.
Your son is 23 years old and is about to graduate. Did he earn a degree in a field where he can gain employment immediately? If not then that is his tough luck. As for going to a community college to gain a MASTERS is not an option at least for Maryland community college because they only offer an associates degree and the last time I checked a masters degree is VERY expenseive to gain so I am not sure what the heck you are talking about scholar from RI.
Besides Medicare is for seniors and being 23 is not a senior. I suggest you have him apply for Medicaid if he cannot find a job and needs health care coverage.
What's a field where you can find employment immediately? There are a lot of out of work engineers and engineers in this country. I was fortunate enough to have gained employment as a researcher during my gap year as I'm applying to doctoral programs in biology. I have to pay for my insurance now (It is NOT provided by my employer, which is the only kind of insurance affected by Barrack's wonderful bill) although once I'm a graduate student I'll be receiving health insurance, albeit poor health insurance. I consider myself lucky to have a job.
I have friends who graduated with degrees in biology, psychology, chemistry... some of whom wanted to take a few years off before medical school: They're all having a very difficult time finding meaningful employment. Jobs in science and health care are very competitive right now for people with BS's; they're competing against people with MS's for the same jobs.
So what is a field where there is immediate employment? Surely not engineering, science, or health care. This might be true out in the sticks for people who MD's who want to do general practice - but that is it.
I can only imagine the job market for people with softer degrees and less marketable skills.
usa is great-----I suggest he takes any job at any price like all Americans did in the past, he deserves no medicaid!
I just found out that my 23 year old son does not qualify because my primary health care plan is Tricare and therefore he is exempt from the new Health Care Plan. Get that! Serve our country for 20 years and he does not qualify. Letters are on there way to our President, Secretary of DOD, and my State Representatives.
Sorry. Tell your man-child to get a job, perhaps even join the military so he can earn his own way. You 'served' your country. He didn't.
I worked in the military for twenty years. I certainly never expected the government to have any debt to my offspring subsequent to my retirement. To feel that somehow your employment with the military entitles you to anything more than your retirement check and personal guarantees is ludicrous. Your 'service' as you call it, was nothing more than a debt you owed for having lived here.
Get over it. You served yourself every bit as much as you served the military. You made a career choice; no different than a plumber or a doctor. You got paid for your choice. You're owed nothing more than promised.
Quit whining about what you think the taxpayer owes your kids (sic!). Your complaining about these matters to Washington is embarrassing.
This is probably the one time I would agree with a smart@$$. I went for years uninsured and underinsured because I didn't qualify to stay on my mother insurance. Even with chronic medical issues and expensive meds, I made it through that period.
I have worked with the military for almost 10 years now. While I do agree that you deserve the coverage, your child does not if they age out. That is one of my biggest gripes. TriCare provides coverage, but there is so much special treatment that people would not get under a regular plan. There is no accountability to an insurance company to justify costs. Therefore, a boatload of money is wasted because they don't have to account for anything.
I can't tell you how many "children" I see on my unit under their parents code that should be able to get their own coverage. But because it is rarely enforced, they get away with staying in the TriCare system.
okay, rant over
If you are over 65 and have kids sponging off of you that are under the age of 26 you are paying for your delay in starting your family. When you snooze you lose.
What an idiot.
What an idiot.
@suesister---I don't care what your age is, kids out of high school should be paying their own insurance! Make them stand on their own feet instead of believing in "entitlements" that are figments of a "socialist mind"!
By the time I was 23, I was on my own for over 5 years!!
What is it with not taking responsibility as an adult? Oh, I'm still a student.....
While I have not "been on my own" I do agree. I have lived with my mother for years because the jobs in my area do not pay enough to have my own place. However, in that time, I have carried my own weight. Payed my own bills, helped with some of hers, and eventually gotten my own coverage through my employer. I did go several years without adequate coverage, but had I made enough, I would have purchased my own.
I would suggest that you contact a lawyer about this as I'm sure there are work arounds for this as we see our business leaders, corp.farmers and pols do this all of the time
I would be more concerned that my son was not mature enough at age 23 to take responsibility for himself.
The thing is that most people don't know the ins and outs of this modified health care policy (it's not reform) and insurance companies will simply continue doing as they want and obstructing any intentions to pressure for rights. My retirees plan has gone up so much--Blue Cross Blue Shield--that I'm having a hard time affording the premium. Plus, they raised the prices on drugs and suddenly disallowed doctors from writing prescriptions for certain drugs. What is there to repeal? Looks like the insurance companies are doing okay repealing whatever they choose to without any help from their campaign financed republican friends.
There should have been a public option and price controls. Without those two things, this is not reform and people should not have been required to purchase a policy from insurance companies.
Yea, the bill leaving the senate was custom written by the insurance companies. They will repeal that which costs the insurance companies. The companies love certain aspects of the bill. I bet those stay. Without a public option to keep them honest, Obama should have vetoed it. Now they will just use the reform, for more more profit via higher premiums.
I have Blue/Cross Blue Shield as well. The increase is looking huge. Looking for a different provider.
I am going through an issue with BCBS right now. I am on a medication that is classified as being used for chemo related nausea by the majority of insurance companies. I am allotted 30 per month, but am supposed to take it every 6-8 hours. So, I have to ration it out for my worst days. My doc is trying to get it appealed, but I'm not holding my breath. Also trying to get approval for a humanitarian device to be implanted to help with nausea and pain issues. They are tending to not approve it unless people are really bad. My issue with it is, if someone has gone through all the med options, they need to approve what the doc has ordered, not what they feel the patient needs.
Gee, Big Horn, I hope you never have anything unexpected happen to you.
In the last section of the article, it states that if the son is sick, then he only has options to look for plans that do not have a provision for pre-existing conditions. I work for a Health Insurance Company, and that is actually not the case, as long as there is no break in coverage. If the dependent has always had insurance with some other carrier, and then loses that coverage due to a qualifying event, such as graduating college, then pre-existing condition provisions do not apply. They only apply if the dependent was not previously covered by medical insurance, and then received a medical diagnosis. At that point, the dependent couldn't just go out and buy health insurance, to help pay for his medical condition.
Covering children to age 26 may be good for people who have health insurance paid for by the public (state and federal employees, unionized people like police, fire and teachers), but is just a drain on the rest of us who have to pay for another public benefit not available to the common person who pays for their own insurance.
Actually, You should google FEHB. Those people pay for their health care as well. Especially, when they retire, for there's no employer contribution. Most use Blue Cross / Blue Shield. The rates have rapidly gone up, for no public option passed to keep them down. Anything progressive, simply had its cost pushed on to the consumer. Obama should have vetoed it.
Many of them use non fed life insurance. For the price goes up rapidly with age. And when they reach 75 coverage goes pfft! The same age some will have SS click in because they won't means test it. Private companies offer dividends and better coverage. Just pointing out the Fed benefits are not the super deal you think of.
I do agree that the so called Fed benefits should be available to all who are gainfully employed. But many would call that socialism.
PS: The state I live in, moved the age to 25 awhile ago. So the private insured got the bonus years before the fed employees, Without the Obama health care bill.
Cut it off at 18 and let them get their own policy. Or let Mom and dad pick up the tab. That provision only causes the rates to skyrocket for everyone.
So Scalzo , your going to repeal state laws like in red state TN???Yea, 25 there.
Yes. I pay every paycheck for mine, although at a reduced rate compared to what I would pay if I bought it on my own. But I still put out a portion of my check to my FEHB. You are thinking of the people on the Hill, not the average joe-shmo working in the government.
So far, my retiree insurance plan says my son is covered until age 26. I hope they do not change it, they are looking for any way to cut costs.
Okay, I can see covering until they're 23 provided they're a student but until 26? That's kinda old to be living off mommy and daddy's insurance. By that time they should be out of the house and on their own. Besides, don't a lot of colleges provide students with healthcare plans at reduced rates?
Student ends at 23?? No Masters degree or DR's training in your family? 23 would barely cover a BS. However, I do agree the student requirement would be helpful to upgrade the country's competitiveness as a whole. The college plans are as good as those college credit cards they offer.
an otherwise healthy 23 year old with no wife or children doesn't need health insurance. you can pay cash for the odd bronchitis or sinus infection, for a whole lot less net cost than shelling out for premiums, deductibles, and copays. most doctors and urgent care's give you a break on price if you're a cash patient. if he does an active sport, like skiing or rodeo, then he can buy a catastrophic coverage policy for when he breaks his leg. people need to get over the idea that they can't function in the world without blanket health insurance. save that expense for your 30's.
And if he's got car insurance...he's probably got PIP that will cover him is he's in an accident.
More Obama lies!
I've got a totally novel idea, if children are out of high school, get your butt out and pay for your own insurance! When I was 26 I had two boys, one nine years old and one six years old and through their lives until high school graduation I fed them, I clothed them, and I taught them the difference between "need" and want"! Both boys went to work during high school to supply the extras and things that they "wanted", but did not necessarily "need"! Now both of them own businesses and supply jobs for other folks to support themselves and their families really "want" for nothing! If we, as Americans can keep our federal government from destroying our "capitalist" system and sucking the integrity out of young Americans by addicting them to "entitlements", then all Americans can excel on their own without Mom, Dad, or the government having to support them!
Legal Texan u hit the nail on the head. The problem is the system is broke. There are 48 million on medicaid, about 1 in 6.5 Americans. Healthcare is put in place and forced upon the public to generate the dollars needed to cover another 30 million. The cost is prohibitive to those with a paycheck. The healhcare legislation cost wise is built to fail. Hopefully the newly elected majority will temper it until it can be totally repealed.
Those of you bashing the insurance companies should know that most of the policies that people have are through their employer and they shop for insurance through competitive rates with companies such as Blue Cross Blue Shield and Cigna, or United Health Care. Most of the larger companies also fund their own bill; meaning they pay the cost of their employers health care claims and the insurance company is only the third party administrator of the claims and provider contracting. This allows them to choose their benefits and whether or not they cover certain services. The Health Care Reform law is mandating certain things such as Patient protection clauses where Emergency Room Services that are considered true emergency's that are performed at an out of network hospital are to be paid at the in network level of benefits, also Preventive In network care is to be covered with no cost share such as a copay or deductible or coinsurance. This preventive benefit will apply unless the company stays what is being referred to as Grandfathered or if they opt out of certain Health Care Reform mandates. They cannot opt out of the dependent age of 26 unless they are a retiree plan. They also cannot opt out of the new pre existing exclusion for anyone 18 years or younger.
This new law is actually only helping those who have been dealt the bad hand of either the insurance company or the employer cutting essential benefits to cut cost on their end. Most of the time when your employed with a large company that offers benefits they are also fighting a Union based insurance plan that is being forced upon them by Union Representatives that I may say have the worst benefits out of a lot Employer funded plans. These companies have to cut benefits for everyone else just to gain the cost back from these plans.
The Health Care Reform otherwise known as Obamacare really needed to focus on the overall infrastructure of health care and how it is performed and billed. Things are getting out of hand within the cost of health care because of the amounts being billed or misuse of the patients insurance. Ordering unnecessary tests or ignoring preventive care is the worst mistake that the industry is making today. Ask yourself the next time you have a doctors visit why it cost $170 for waiting for 30 minutes to see your doctor for 10 minutes. Or forbid you have an Emergency room visit and you find that $3500 bill a few months later and the two hydrocodone they gave you cost 10x as much as 50 of them from the local CVS or Walmart pharmacy. The Insurance companies are in it for the money, and they do a good job of it, however don't lose sight of how the Dr's and hospitals run their business either.
couldn't have said it better myself.
another gap: parents who both become disabled and quialify for Medicare (which happened to my sister and her husband, with two kids with significant chronic health problems), which does not cover their kids.
By 23 I had performed 4 years in the service and was working my way through college. Had to work because Johnson's Great Society reserved grants and scholarships for minorities as I found out when the registrar's office said "Sorry, but you're free white and over 21 so get a job. Everything we have is reserved".
Send the kid to the service, if they don't want to work. OOPS, no jobs!
Pretty ruthless people on this blog. My daughter is 24 and in college, covered by my health insurance. When she graduates, she'll still be covered...thank goodness, because the unemployment rate in Georgia is over 10%. Hard for many people to get a job out there. And for those who think that anyone in that boat should just enlist in the army...no matter what your views or suitability for the military...that's your view, I totally disagree. And, I'm over 65 and so is my husband. She was a late-in-life child.
Another option: Go without, like many of us did after college! And, many are still doing. No one said life was fair.
That is only possible if your child does not have a life ending disease left untreated.
Being kicked off insurance in your child's 20's should not be a death sentence.