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liberal N proud Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:23 AM
Original message
My 22 year old now uninsured
How can this happen?

We received notice this week that because our daughter was no longer in college that she would no longer be covered by our insurance plan.

I called the insurance company and asked them if the new law signed 2 weeks ago didn't permit her to stay on our insurance until she was 26.

Their reply was that the law signed just last week didn't take effect yet and they had not determined how it would effect our plan.

I kept pressing the issue and asking for supervisors and getting the same canned response word for word. Insurance companies don't plan on following the law of the land.
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zanana1 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:26 AM
Response to Original message
1. Some of the laws don't take effect for two or three years.
"And that's the way the cookie crumbles".
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:29 AM
Response to Reply #1
4. We shouldn't accept these crummy cookies.
We should check it out, and complain about it.
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cali Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:29 AM
Response to Reply #1
5. this one comes into effect
early next year.
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jtrockville Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 08:46 PM
Response to Reply #5
26. According to Rachel Maddow, this one is effective: Sept 23rd 2010
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=433x241238
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Occulus Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 12:18 AM
Response to Reply #26
33. I have a question. Where are Berni McCoy and Prosense to tell us these things?
Edited on Thu Apr-08-10 12:19 AM by Occulus
I haven't seen them post... *thinks hard*.... why, I haven't seen them post at all since the bill got passed.

Why is that? Did they both die, or something?

:think:
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 04:53 PM
Response to Reply #33
40. 1
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REACTIVATED IN CT Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 11:28 AM
Response to Reply #26
37. Its effective with the plan year (for the group plan) that
begins after 9/23/10. Many plan years run Jan 1 - Dec 31.
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jtrockville Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 04:51 PM
Response to Reply #37
39. Ah, I see. Thanks for clarifying.
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liberal N proud Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:42 AM
Original message
I thought h this one was immediate
I thought the stay on your parents plan until you were 26 was effective now. We paid close attention to that part because we knew our daughter was about to finish school.

This is a cookie that should not have crumbled, it is just plain crumby.
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Posteritatis Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 10:16 PM
Response to Reply #1
29. This part in particular takes effect in mid-September. (nt)
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:27 AM
Response to Original message
2. Contact your Congress-Critters, White House, and media.
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NJmaverick Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:28 AM
Response to Reply #2
3. +1
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annabanana Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:42 AM
Response to Reply #2
10. (OR - read the bill) . . . n/t
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:47 AM
Response to Reply #10
11. Thanks so much for this.
Some here have already referred to details.
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babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:30 AM
Response to Original message
6. Seems your baby should be insurable within 6 months...
The gov't link is in that thread (I think it's a .pdf).

http://www.democraticunderground.com/discuss/duboard.php?az=show_topic&forum=433&topic_id=222416

Extension of Dependent Coverage: Requires any group health plan or plan in the individual market that provides dependent coverage for children to continue to make that coverage available until the child turns 26 years of age. This takes effect for plan years beginning on or after the date that is six months after enactment.
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LynneSin Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 12:21 AM
Response to Reply #6
34. I have a relative in the same situation - he was told it would be about 6 months
after that he will be covered for the next 6 years
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elocs Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:32 AM
Response to Original message
7. I think they told you exactly right--the law has not taken effect yet.
From all that I've heard or read the child coverage to age 26 takes effect this year. I could google an answer, but so can you.
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D-Lee Donating Member (457 posts) Send PM | Profile | Ignore Wed Apr-07-10 06:39 AM
Response to Original message
8. Ask about COBRA rights for your adult child
That might work. My state has the Young Adult coverage because of state law -- it runs about 3% cheaper than COBRA; both are available.
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annabanana Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:42 AM
Response to Original message
9. September 23rd she will be able to get back on. (6 months from signing)
That's the way it's written. Now, exactly how the insurance companies plan to try and wriggle out of the committment is something all us parents of young adult dependents have to pay close attention to.
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:50 AM
Response to Reply #9
12. We will.
You're so well informed. Cite? Link?
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babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 06:56 AM
Response to Reply #12
13. See post #6 if you're looking for links. nt
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:07 AM
Response to Reply #13
17. Thanks, 'sis; saw it!
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Tailormyst Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:02 AM
Response to Reply #9
15. Are you sure about that?
I thought it was written that children couldn't be kicked off before age 26, not that they could be required to be added on.
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karynnj Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:21 AM
Response to Reply #9
19. Depends on the plan year of your insurance
See Babylon sister's link - the key phrase is - This takes effect for plan years beginning on or after the date that is six months after enactment.
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Tailormyst Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:00 AM
Response to Original message
14. Once it does go into effect I'm not sure they would be required to put her back on.
Edited on Wed Apr-07-10 07:03 AM by Tailormyst
Might want to check the wording of the bill.
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DainBramaged Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:03 AM
Response to Original message
16. Blue Cross put my beautiful Daughter on immediately
Even though she is a full time college student, they had started to put me through hoops with demands for transcripts and W2's for last year from where she works part time nights and weekends, then all of a sudden last week her cards appeared in the mail effective April 1st.


Your insurance is scummier than the rest.
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elleng Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:12 AM
Response to Reply #16
18. Excellent!
Also, BC/BS is favorite plan of fed employees. Good news for many of us.
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JTFrog Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:25 AM
Response to Reply #16
20. Outstanding!
That is excellent news. :thumbsup:
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liberal N proud Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:42 AM
Response to Reply #16
21. Good for you and your daughter
Are insurance has become terrible in the last 2 years, denying coverage and prescriptions.

Glad to hear the new law is working for someone.
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WillowTree Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 12:04 AM
Response to Reply #16
31. Depends on what state you're in.
Some states changed their mandates within the last year to require that children be allowed to be covered to age 26. Yours may be one of those states, in which case it would have had nothing to do with HCR.
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DainBramaged Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 07:34 AM
Response to Reply #31
36. Sure, you know my situation perfectly............
:eyes:
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WillowTree Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 07:03 PM
Response to Reply #36
42. I never said I did.
I merely stated a verifiable fact which may or may not apply to your situation.

Nice display of unprovoked hostility, though.
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REACTIVATED IN CT Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 11:30 AM
Response to Reply #16
38. Many states already require this. IIRC, you are in NJ and they
are one state that already has this extended coverage law in effect. So does CT, MA, IA, NH and others I can't think of offhand
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customerserviceguy Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:47 AM
Response to Original message
22. How difficult would it be
to get her enrolled in a low-cost community college for the next several months until this new law takes effect?
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liberal N proud Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 11:12 AM
Response to Reply #22
25. We already have a mountain of debt for college
She is in the job hunting phase right now.
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stray cat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 07:50 AM
Response to Original message
23. It proves something in the bill is good - as people want it implemented now
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canoeist52 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 08:46 AM
Response to Original message
24. This one will be interesting to watch. It's written vaguely.
Sounds to me like it's for "dependent" children only. Does that mean the IRS definition of dependent? Does I mean she would have to be in college? I have read this part of the bill and it's still not clear. It will be interesting when parents try to enact this with ins. companies.
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WillowTree Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 12:13 AM
Response to Reply #24
32. It will almost certainly mean that the parents will need to demonstrate...
....that the kid is dependent on them for more than 50% of his/her support. I would count on that much.
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Danmel Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 08:59 PM
Response to Original message
27. You should call your state representative
Some states have extended coverage for young adult children - you have to pay for them butcan keep them on your plan- new york is age 26 now .
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lins the liberal Donating Member (145 posts) Send PM | Profile | Ignore Wed Apr-07-10 10:13 PM
Response to Original message
28. Tricare (VA) will not keep adult children past 23
It seems as though when Obama assured the vets that nothing would change it included the fact that coverage for adult children would not be extended for children of vets.
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Nikki Stone1 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-07-10 11:27 PM
Response to Original message
30. This is why I don't believe in giving them mandated customers
I don't trust them to have any ethics at all.
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LynneSin Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 12:22 AM
Response to Original message
35. The law I believe goes into place in about 4-6 months
I have a family member in the same position and that was the answer he got
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deaniac21 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Apr-08-10 05:20 PM
Response to Original message
41. Gee, you are really well informed.
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