Can my 23-year-old child stay on my health insurance coverage even if offered insurance in her new job?
My 23-year-old daughter was just hired for a new full-time job. Rather than spend money on health insurance, can she turn it down and stay as a dependent on my coverage until age 25? I'm in Maryland, if that matters.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No. If she has a job that offers benefits she does not qualify to be added to her parent's policy.
2 :
No. If she's offered insurance at her new job, she isn't eligible for coverage under your policy.
3 :
You can do as a friend of mine did and pay her the amount that they will deduct out of her paycheck for health insurance so that she has coverage. My friend whose son is age 19, making over $60,000 a year, did not want to pay $200 per month for his employers health insurance, so his parents have reimbursed him $200 each month so that he is covered. The odd thing about this case is that this kid has had heart and brain problems the last 2 years that the doctors were unable to diagnose him and he had brain surgery last week. Kids just see that "X" amount is deducted from their paycheck and prefer to keep the money to themselves vs buying health insurance, since they believe they will never need it. Since she will be eligible for health insurance in her job, she will not be eligible to be on your own employer, so it might be cheaper to reimburse her the amount they will deduct vs if she has an emergency and then you might end up helping her pay off the medical bills if she fails to buy health insurance.
4 :
~~No the law says she must take the group coverage her job offers.~~ www.healthreform.gov
5 :
It really depends on if your health insurance plan is considered a "Grandfathered Plan." If it is, then she will not be eligible for your coverage. If it is not, then there is no stipulation that she not have other insurance available. Your employer must provide you with a statement about the Grandfathered status of your health plan--if they haven't yet, call and ask the Benefits or HR department.
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