Can children be covered by 2 medical plans?

11
Laurianne Douglas asked a question: Can children be covered by 2 medical plans?
Asked By: Laurianne Douglas
Date created: Fri, Jan 1, 2021 9:30 PM
Date updated: Tue, Sep 13, 2022 3:53 PM

Content

Video answer: Is cbd oil covered by insurance? 2 things you need to know!

Is cbd oil covered by insurance? 2 things you need to know!

Top best answers to the question «Can children be covered by 2 medical plans»

Children can be covered under both plans if the parents decide to include them. Married couples or domestic partners who each have access to a health plan through their job may put each other on their plans.

Video answer: How does student health insurance work?

How does student health insurance work?

10 other answers

Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances. Why would I have two plans? There are a few different reasons why someone might have two health insurance plans: You are an adult or child under 26 who has coverage through your parents and your own employer.

Can you be covered by two health insurance plans? Yes, you can be covered by two health insurance plans. In some cases, each member of a couple might have health insurance through their employer. Children up to the age of 26 also might have coverage through their employer and their parents.

Examples of how a person may have two health care plans: A child's parents each have access to a health plan at work. Children can be covered under both plans if the parents decide to include them. Married couples or domestic partners who each have access to a health plan through their job may put each other on their plans.

Generally, you can join a parent’s plan and stay on until you turn 26 even if you: Get married; Have or adopt a child; Start or leave school; Live in or out of your parent’s home; Aren’t claimed as a tax dependent; Turn down an offer of job-based coverage; If you’re covered by a parent’s job-based plan, your coverage usually ends when you turn 26.

Once the child is born, he/she will need to be covered by his/her parent - not his/her grandparent. The grandchild is not a dependent to the grandparents. Thus, their insurance would not extend to that child. Medicaid and a health insurance plan - Medicaid is always the payer of last resort when there are multiple plans.

In this case, the plan that is employer-sponsored becomes the primary insurance, with Medicare or VA insurance as the secondary coverage. Other policies also give the parents that freedom to assign which policy to designate as the primary insurance. This may be based on which insurance plan provides the better benefits.

If your children need health coverage, they may be eligible for the Children's Health Insurance Program (CHIP). CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers pregnant women. Each state offers CHIP coverage, and works closely with its state Medicaid program.

Reply. ObamaCareFacts.com on November 2, 2017. I updated the answer to give a concise answer. The specific answer to your question is yes, you can hold more than one policy… you just can’t get assistance on the individual/family policy because you technically have access to “affordable employer coverage.”. Reply.

You may be covered by the following plan types while still being eligible to set up an HSA: dental; vision; short- and long-term disability; life and accidental death; long-term care; and certain health Flexible Spending Accounts (FSAs), including: insurance for specific types of diseases or illnesses, such as cancer plans; hospital indemnity plans; limited-purpose FSA (dental & vision only); and post-deductible Health Reimbursement Arrangements (HRAs).

For example, regardless of when the maximum out-of-pocket deductible is met on the “employee and children” policy (which can be as high as $13,500 in 2019), the spouse with self-only coverage is responsible for their own medical expenses and must meet the deductible and out-of-pocket limits tied to their own policy.

Your Answer

Video answer: Questions about health insurance for children: question 3 answered.

Questions about health insurance for children: question 3 answered.