If a child coverage is dropped because a parent loses employment. Can the other parent add the child to his/her insurance, is there a waiting period, or a time out period?
Answer by Moderator - Friday, January 22, 2010 @ 12:43 pm No CommentsNo comments yet. Leave a comment |
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You can add a child to a parent’s health insurance plan outside of the annual enrollment period if coverage was lost through another group plan. However, you should be given a COBRA option through this previous employer. If you have been offered COBRA, but declined to take it, then the new insurance company may consider that the previous coverage was dropped voluntarily. This could then force you to wait until the annual enrollment period. As for waiting periods for treatment of medical conditions, this will depend on how long the child was insured under the previous group plan. Your best option, if available to you, is to insure the child under COBRA and move him/her to the new group health plan at open enrollment.
