<p>The new law states that dependants can stay on their parents’ family plan regardess if they are students until age 26. Awesome, except it seems my insurance, Anthem, won’t cover new college grad unless she lives in the same state??!! How many of our grads plan on working in state, not mine unfortunately. And with this economy I’m worried she won’t get any semblance of full time work any time soon. (Not to mention she’s an actor.) Has anyone else explored this and are you running into the same issue?</p>
<p>My kid has to live in the same state too (CT)…I’m hoping my self insured employer will decide to keep her ON my policy instead of booting her off after her graduation in August. I’m not holding my breath.</p>
<p>Just FYI…CT has had the provision for covering up to 26 kids on the books since January 1, 2009. There was an exemption for self insured employers who could opt out. Fully insured had to provide this option. Kids need to reside in CT.</p>
<p>I wonder why we do not cover kids until 46. Almost as reasonable, since none of us would be able to retire anyway because of non-accessible Medical Care for Medicare/Medicaid people.</p>
<p>NJ has it to age 31. They have to live in the state, not be married, and have no dependents. We looked into it at one point and the kicker is the child does not just remain on the family plan as they had before at the same cost. Now they have to pay the premium, which for our plan was well over $500/month for our kidlet. She was able to get a policy on her own for about $240/month.</p>
<p>In HI, as far as I know, there is no requirement that your kiddo be allowed to remain on your policy. Fortunately, for us, H’s policy keeps kids under 22 on the policy. Our policy doesn’t require that the kids be located in our home state (fortunately because they’re both in CA).</p>
<p>We bought insurance from the U for S because he turned 22 this year. He is supposed to start work & get on their policy as soon as they finish processing his paperwork, so we’ll see when that is. If there’s a break after his university policy ends in August, he’ll buy some GAP coverage offered by his U until his work policy kicks in, hopefuly sometime this fall. It will be much more expensive (the university group policy was about $1000 for entire 12 months & the GAP policy is an individual, sort of like COBRA & will be about $400/month–ouch; oh well, his dime).</p>
<p>My understanding is that the Federal law covering kids up thru 26 doesn’t kick in until sometime in September. That means there will be a gap for S, since his university policy ends in mid August. Anyway, he doesn’t plan on living in HI–plans to hang out & travel before his job starts in the fall on the East Coast.</p>
<p>kitty56, could you please PM the info on the $240/mos. plan. I’d like to file the info away just in case! Thanks!</p>
<p>Yes, $240 per month is cheap in NJ for individual policy for young adult!
NJ rates are insanely high. Many other states with similar plans are about $100/month.</p>
<p>ehealthinsurance.com is a good place to start…and no, I don’t work for them!</p>
<p>Also consider checking with the university. Many schools offer policies at fairly low rates for their students & recent grads, that might be an option for some. At least it can tide our young adults over while things get sorted out.</p>