Users' questions

What happens if my son is in an accident and is on insurance?

What happens if my son is in an accident and is on insurance?

If your son was “on the insurance” and had an accident, then he is covered under the insurance policy. Tender the defense to the insurance company and let them do their contractual duty which is to defend you and your son. * This will flag comments for moderators to take action. * This will flag comments for moderators to take action.

Can a son and daughter-in-law be around too much?

Every grandparent is as different as every grandchild. And so is every parent. Some sons and daughters-in-law love for their parents to be around and involved in their kids lives. But some need space. Once again, the parents get to make the rules. Are you around too little or too much?

When does your parents health insurance coverage end?

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules. If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

Can a child be covered by their parents health insurance?

While the Affordable Care Act mandates that children be eligible for coverage under their parents’ insurance till 26, there isn’t a similar protection for parents. Health plans typically count spouses and children as dependents, but generally don’t include parents. However, the rules vary by plan and location, so always double check with your plan.

Can a 26 year old remain on a parent’s insurance plan?

If you’re not yet 26 and you still have coverage on your parent’s plan, you can shop for your own plan during the annual open enrollment period, or if you experience a qualifying event, such as moving to a new area. You can also enroll in your own employer’s plan if that option becomes available to you.

Every grandparent is as different as every grandchild. And so is every parent. Some sons and daughters-in-law love for their parents to be around and involved in their kids lives. But some need space. Once again, the parents get to make the rules. Are you around too little or too much?

If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules. If you’re on a parent’s Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

Are there any new protections for children under 26?

Many of these protections are available now including extending dependent coverage until age 26, prohibiting preexisting condition exclusions for children under 19, and banning lifetime limits on coverage for essential health benefits. Additional protections will be available in 2014.