age cutoff for dependent medical coverage
24-A MRSA § 2742-B requires individual and group health insurance policies to continue coverage for a dependent child up to 25 years of age if the child is dependent upon the policyholder and the child has no dependents of the his/her own. The young adult must: 1  Be unmarried; 2  Be 29 years of age or under; 3  Not be insured by or eligible for comprehensive (i.e., medical and hospital) health insurance through his or her own employer; 4  Live, work or reside in New York State or the health insurance company’s service area; and. 5  Not be covered under Medicare. The coverage must: 1  Be a group or group remittance health insurance policy that includes coverage for dependents; 2  Be issued in New York State and subject to New York State laws; and. 3  Be fully insured (this benefit does not apply to self-funded plans). The insurer will provide written notification to group members or employees (not young adults) in each certificate of coverage and at least 60 days prior to the date the young adult who is covered as a dependent under the parent's policy would otherwise have coverage terminate due to reaching the maximum age for dependent coverage. In order to participate, the “Age 29” law requires the coverage, the young adult’s parent, and the young adult to meet certain requirements. The Coverage. The coverage must: Be a group or group remittance health insurance policy that includes coverage for dependents; Be issued in New York State and subject to New York State laws; and Tennessee Code Ann. § 56-7-2302 allows for dependent coverage for children under their parents' health insurance plan up to age 24 provided the child is unmarried and financially dependent on the parents. Dependent Health Coverage and Age for Healthcare Benefits. The Patient Protection and Affordable Care Act (ACA) mandates that all health insurance carriers in every state that offer coverage to both adults and their dependents must allow dependents to remain on their parents or guardians’ “family” plans until the dependents are 26 years old. ‘‘SEC. 2714. EXTENSION OF DEPENDENT COVERAGE. ‘‘(a) IN GENERAL.—A group health plan and a health insurance issuer offering group or individual health insurance coverage that provides dependent coverage of children shall continue to make such coverage available for an adult child until the child turns 26 years of age. In order to participate, the “Age 29” law requires the coverage, the young adult’s parent, and the young adult to meet certain requirements. The coverage must: Be a group or group remittance health insurance policy that includes coverage for dependents; Be issued in New York State and subject to New York State laws; and. If you are currently covered under a parent's group policy, you may enroll within 60 days of the date that your coverage would otherwise end due to reaching the maximum age for dependent coverage. Coverage will be retroactive to the date that your coverage would otherwise have terminated. When You Experience a Change in Circumstances
The age cutoff for dependent medical coverage is up to 25 years.