The Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act of 2010 (the “Health Reform Acts”) require health plans that cover participants’ dependent children to offer that coverage to those children up to age 26, if the children are not eligible for employer-provided coverage.
This requirement goes into effect the first plan year after Sept. 23; for HealthFlex, our Indiana Conference-wide healthcare insurance, this plan year begins Jan. 1, 2011. On Jan.1, HealthFlex will begin offering coverage to participants’ children who are under age 26 years, regardless of their student or dependent status – if the children are not eligible for their own employer-provided coverage.
Participants whose children are not currently covered in HealthFlex, but who would be eligible for this coverage, may enroll the child or children during the HealthFlex Annual Election period in November 2010 for coverage beginning Jan. 1, 2011.
Some of the details surrounding that coverage will be determined in part by forthcoming regulations and guidance from the U.S. Department of Health and Human Services (HHS).
For more information on this coverage and how it will work, visit www.inumc.org and click on Benefits.