I’m 22 years old and I am currently covered under my mother’s group health insurance plan, which is through her work. I have a pre-existing condition (diabetes) and my mom was told that my coverage will run out next April when I turn 23. I will still be enrolled at my current university, and I thought that dependent children could be covered until age 25 in MO, what should I do?
Missouri law states if a group health insurance policy provides coverage for an certificate holder’s dependent under which coverage of the dependent terminates at a specific age before the dependent’s 25th birthday, the group plan must nevertheless provide coverage (at the certificate holder’s option) to the dependent after that specific age up to the age of 25. In addition to being no more than 25 years of age, the dependent must be unmarried, a state resident and must not be provided health insurance coverage under a health benefit plan or government program. Have your mother contact the insurance carrier directly to verify that they recognize this legislation. If they confirm what you have been told, inquire as to why they are exempt for Missouri law. This might be the case if the group contract was written out-of-state, or the employer is an exempt non-profit or self-insures.
Answer by Moderator - Monday, October 19, 2009 @ 11:43am
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