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Kids Under 26 On Your Health Insurance? Run, Don't Walk To Get Their Medical Care!

Updated on April 7, 2011

This Benefit Can Change In An Instant!

The political climate in the U.S. is uncertain. So uncertain, that if your grown child under 26 has coverage on your current health insurance policy, make sure they get any needed major medical procedures done as soon as possible. This protection may be fleeting and may be rescinded at any time, and if you do not act to protect your adult child in a timely manner, the benefit may disappear prior to using the benefits. At last count, almost two and a half million adult children under 26 are being covered on their parents' policies. The Republcan party is very determined to repeal every aspect of what they call Obamacare and to that end have become very well organized. They are convinced that they have the votes necessary to defund the plan. If the plan is defunded, that effectively circumvents implementation or sustainability of all aspects of the law, including the insurance coverage for your adult children.

What The Law Currently Allows!

Many people are not aware that the current legislation allows you to cover your adult children even if they are not your dependents, even if they are not students, and even if they do not live with you. If your child is under 26 and married, for example, they can still be covered under your plan! This is the aspect of the plan that many do not realize. It cannot cover their spouses or their children, but it allows you to cover them! If you have not filled out the required paper work, do so immediately! Get them enrolled!

If your adult child is going to need a surgery, for example, my advice as a patient advocate, is to have that surgery done asap! Do not wait even 6 months! The GOP legislature is seeking many different ways to defund that portion of the health care legislation. If they find a way to accomplish their goal, your child may not be able to receive coverage for the surgery. I do not recommend delay. Think about the financial ramifications of putting it off and opt for the safety net that is currently in place.

If your child is taking monthly medications, make sure that they get their medications on time. In the case of defunding, there will be no medications covered. There are many medications that only cost a $10.00 copay, but without insurance can sometimes cost $400 or even $500 per month. Stay on top of it.

A case in point. Suppose your child is prescribed an inhaler that is to be used as needed. There are 6 refills for the medication authorized with the prescription. An 'as needed' med may not be required for use every day, so it may take your child 2 months to run out of the medication. Your benefits allow you to refill the medication once a month. Get that refill, even if the inhaler is not empty. Better to pay the copay of $10 than wait. Sometimes, those inhalers, depending on which one, can cost up to $100 without insurance.

Why Wait For Surprises?

If you think that this article is meant to needlessly worry you, let me say this. I hope that the worry is needless. I hope that the legislation remains in effect, but things are happening in Congress daily that are troubling. Don't take the chance that this will be one of those things that may be compromised away! It is always better to be safe than sorry.

This article is also not intended to be a definitive piece on all of the coverage your child is entitled to under the legislation. It is designed to inform you simply, that even though this benefit is currently law, the benefit may disappear before you even have time to think about it.

As a side note: I have written many articles on health insurance and have recently noticed that some of those articles have been reprinted, without permission, without being attributed to me. One of the sites that is guilty of this is a foreign company currently being investigated by their own country for fraud. They are using one of my articles, with my name removed, to entice people to sign up for their services. Please be cautious when seeking assistance with your health insurance problems. Not all companies are above board. If they steal writing, imagine what they will do with your money!

Comments

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  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    7 years ago from California, USA

    Dear Fay,

    I, too, am confident that our President would veto, but I want people to stop being so complacent. They need to fight to improve it, not repeal it!

  • profile image

    Fay Paxton 

    7 years ago

    The Senate may vote to repeal healthcare, but I don't think President Obama will sign it. I think we all know it is an imperfect bill, but I don't think perfection was ever the mission. The mission was to get it on the books. If they hadn't gotten the law passed, it never would have been. They have three years to tweak and amend. Repeal isn't necessary. Still, I'm with you, Jillian...we have to stay on our p's and q's because that slippery bunch will try anything.

    voted up/useful and awesome

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    7 years ago from California, USA

    Dear Arb,

    I wanted to make sure that everyone realizes that the health care act can be repealed at any time. Things are too unsure to be complacent.There is going to be a vote on repeal next week in the Senate. Who knows what can happen? Every day I wake up and am surprised, all over again.Thank you, Arb, for reading.

  • profile image

    arb 

    7 years ago

    Another great write Jillian! The health care merry go round goes round and round, where it stops, nobody knows. The criminals are in competition with each other and we assume their punishment. What a system.

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    7 years ago from California, USA

    Dear Amillar,

    I am so glad to have met you! I am picturing my nostrils full of sand right now! Not good, my friend! It hurts!

    Guaranteed that you and I will keep putting it out there!

  • amillar profile image

    amillar 

    7 years ago from Scotland, UK

    Yes, I agree that bought politicians are the biggest problem facing democracy now. However, our responsibility is to keep putting it out there. If we do that we’re doing something, and our nostrils won’t get full of sand.

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    7 years ago from California, USA

    Dear Giselle,

    When and if the current law is repealed, many 26 and unders are going to be in trouble; I just want them to know-as for copyright-I was shocked! It angers me to know that something I wrote is being used to snag unsuspecting victims! Watch your work on the net!

    Dear Amillar,

    Always tell you, our countries have so much in common, except the UK may have the edge when it comes to freedom of speech. It is sad that much of what we have in common is bought politicians, isn't it?

  • amillar profile image

    amillar 

    7 years ago from Scotland, UK

    Things are changing at an alarming rate Jillian. The administrations that dropped us in it economically know that once the legislation is in place, it's very difficult to repeal, even for future governments that might become more responsive to the needs of 'the people'. It's happening all over the so-called Western democracies now.

  • profile image

    Giselle Maine 

    7 years ago

    Excellent advice in here about the current state of the medical insurance laws and their level of future uncertainty. Thank you also about your warning regarding unscrupulous companies, especially ones who are already breaking copyright law.

  • Terry.Hirneisen profile image

    Terry.Hirneisen 

    7 years ago from Shenandoah Valley

    Jillian,

    I hope people read this and follow your advise as an expert in the field. Voted up and awesome.

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    7 years ago from California, USA

    Thanks, gradeAmerican! Would hate to see someone go without necessary medical care if they have the chance to get what they need- and things can disappear pretty quick these days.

  • gradeAmerican profile image

    gradeAmerican 

    7 years ago

    very good article for these uncertain times.

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