I have purchased a First Choice policy for my family and have a dependent who turns 23 in July; will I be able to keep her on my coverage?
Yes. Blue Cross and Blue Shield of Kansas has decided to allow dependents who are covered on their parent’s plan before and on June 1 and who would reach the limiting age after June 1 to remain on their parent’s plan in advance of the new federal law.
My employer provides a fully-insured benefits plan to me and my family. I have a dependent who turns 23 in late June; will I be able to keep him on my coverage?
Yes, Blue Cross and Blue Shield of Kansas has decided to allow dependents who are covered on their parent’s plan before and on June 1 and who would reach the limiting age after June 1 to remain on their parent’s plan in advance of the new federal law.
My employer is a self-funded or collective bargaining (i.e. union) group. Will my employer allow me to keep my dependent on my coverage when she turns 23 this summer?
That decision rests with your employer and you should direct your question to your plan administrator. Self-funded groups set their own benefit plans and must determine for themselves if they want to allow dependents to keep their coverage in advance of the new federal law.
Why won’t Blue Cross allow me to re-enroll my dependent who turned 23 in April, several months after the law was signed?
Your dependent reached the limiting age prior to June 1, so he won't be able to re-enroll until your plan’s anniversary date after Sept. 23, 2010, and only if he is not eligible to enroll in another employer-sponsored health plan. For “grandfathered plans,” meaning plans in force March 23, 2010, the new law’s provisions for adult dependents do not apply to dependents eligible for other eligible employer-based coverage. We appreciate your interest in having your dependent back on your coverage as soon as possible, especially since he just recently reached the limiting age. Our decision to extend this coverage earlier than required by law was made to comply with a request by Health and Human Services Secretary Kathleen Sebelius. She only asked us to apply this change moving forward and not for those dependents previously disenrolled in April or May.
Will my premium increase because I’m leaving my dependent on my coverage after June 1?
No, the early extension of the age 26 regulation will not impact your current premium.
My dependent has been uninsured for nearly a year since aging off my plan. Will I be able to get him back on my plan as of June 1? If not, when?
No, you will not be able to re-enroll him June 1. Your dependent will be able to rejoin your plan at your plan anniversary on or after Sept. 23, 2010. The Blue Plans collectively decided to extend coverage to those dependents who would reach the limiting age in the four months immediately prior to the new law taking effect.
When will I be able to add my dependents under age 26 back on to my policy? – updated June 30, 2010
Blue Cross and Blue Shield of Kansas will conduct open enrollment periods during which eligible dependents up to age 26 can be added to their parent’s coverage. You will receive information regarding this open enrollment period prior to your anniversary date from either your employer group or Blue Cross and Blue Shield of Kansas.
I have health insurance coverage through my employer and want to take advantage of the new law to add a dependent back to my coverage. How and when can I do this? – updated June 30, 2010
You will have the opportunity to add your eligible dependent to your group health coverage during a 30-day open enrollment period prior to your group’s anniversary date on or after Sept. 23, 2010. You will need to complete a Change Form and submit that to us prior to your group’s anniversary date. As long as the requested forms are received in time, your dependent would have coverage effective on your group’s anniversary date.
I purchase my own health insurance and want to take advantage of the new law to add a dependent back to my coverage. How and when can I do this? – updated June 30, 2010
A: You will have a 30-day opportunity prior to your anniversary date to add your dependent to an existing family plan or change your individual policy to one that includes dependents. If you already have a policy that includes dependents, you will need to submit a Change Form prior to the end of your open enrollment period. If you do not currently have a plan that covers dependents, you will need to submit an application and Health Profile on your dependent prior to the end of your open enrollment period.
Will dependents be added retroactively?
Will I be able to re-submit any claims my dependent had for medical services between the time he turned 23 and went off my policy – which happened after the law was signed March 23 – until I can get him back on my policy?
No. Your benefits plan will only cover claims for your dependent after he rejoins your coverage in plan years beginning on or after Sept. 23, 2010.
How will I be notified if my dependent has already gone off my coverage at age 23?
If you have coverage through your employer group, you will be reminded of this change in dependent coverage during your next open enrollment process. If you purchase coverage for you and your family on an individual basis, there will be information contained in your re-enrollment package.
Will I be able to put my dependent back on my coverage even if she lives out-of-state?
Yes. It will be important for you to inform her to make sure she receives non-emergency services from a provider who contracts with the Blue Plan in that area in order to maximize your benefits.
My dependent has been uninsured for several months since going off my coverage last year. Will this pose a problem?
All insurers are awaiting rules from the U.S. Department of Health and Human Services to clarify this portion of the new law. We always recommend against allowing yourself or a dependent to be uninsured. You might consider an individual policy or a Short-Term Medical plan to cover your dependent.