[quote=flu]Also, I wasn’t thinking of the the case in which someone is self-insured and is simply adding the grownup kid to his/her policy…. I believe the original article indicated that the young lady was being added to her parent’s employer plan (not her parent’s self-paid insurance). What the article didn’t mention is who pays for dependent care in her parent’s plan and how much.
Eh, never mind….[/quote]
The first part of your comment makes perfect sense to me. But I’ll tell you, the current trend in benefits is to pay for less, with fewer and fewer employers paying for any part of dependent coverage.
I guess my confusion is where you put in the part about rationing of health care. I don’t see how this particular situation fits.
As a side note, there is a loophole (or as the insurance companies see it, a feature, not a flaw) on the effective date of this portion of the law. For group policies, the part that requires allowing coverage of children through age 26 applies on the plan anniversary date first following September 23. I know that Aetna is strictly enforcing that on their small group plans. I tried to get my 24 year old son onto my policy (the marginal cost would have been zero, since I already was paying for family coverage) at the July 1 open enrollment date and was told that they won’t allow it until NEXT July 1. I didn’t watch the video, but it’s possible that this woman might be out of luck for the moment if she hasn’t already confirmed eligibility.
Another feature of this provision, which I don’t think has been mentioned yet, is that children are only eligible for tagging along on their parents policies if they are not eligible for group coverage through their own employers. So employed children under age 27 who are eligible for company plans can’t opt to get added on to their parents policy.
