View Poll Results: Should parents be able to enroll their children under the age of 26?

Voters
30. You may not vote on this poll
  • Yes

    19 63.33%
  • No

    11 36.67%
Page 8 of 9 FirstFirst ... 6789 LastLast
Results 71 to 80 of 89

Thread: Policies of the ACA: Young Adults on their Parents' Plan

  1. #71
    Sage
    mike2810's Avatar
    Join Date
    Jan 2010
    Location
    arizona
    Last Seen
    Yesterday @ 11:59 PM
    Gender
    Lean
    Independent
    Posts
    14,981

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    I happen to look for some answers from OPM (federal) regarding the child care portion. Does'nt affect me,my kid is older than 26.

    24. Can I remove my child from my FEHB Self and Family enrollment?
    No. Your child will remain covered until his or her 26th birthday

    25. Who is responsible for the out-of-pocket health expenses of my child age 22 through 25?
    It depends. Generally, the adult child is responsible for any out-of-pocket health expenses charged by the health care provider. You can work with your provider to determine who pays for the out-of-pocket expenses incurred by your adult child. We cannot guarantee that the provider will not seek payment from you if your adult child fails to pay.For those who are all for having their adult "child" up to 26 years of age covered.

    Do you realize you may be on the hook for your childs medical expenses not covered by insurance? Once enrolled you can't cancel them till age 26. While I think most of us would do what we can for our kids, not sure I would want to be on the hook for my adult offspring.

  2. #72
    Enemy Combatant
    Kandahar's Avatar
    Join Date
    Jul 2005
    Location
    Washington, DC
    Last Seen
    10-15-13 @ 08:47 PM
    Gender
    Lean
    Liberal
    Posts
    20,688

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by mike2810 View Post
    I happen to look for some answers from OPM (federal) regarding the child care portion. Does'nt affect me,my kid is older than 26.

    24. Can I remove my child from my FEHB Self and Family enrollment?
    No. Your child will remain covered until his or her 26th birthday

    25. Who is responsible for the out-of-pocket health expenses of my child age 22 through 25?
    It depends. Generally, the adult child is responsible for any out-of-pocket health expenses charged by the health care provider. You can work with your provider to determine who pays for the out-of-pocket expenses incurred by your adult child. We cannot guarantee that the provider will not seek payment from you if your adult child fails to pay.For those who are all for having their adult "child" up to 26 years of age covered.

    Do you realize you may be on the hook for your childs medical expenses not covered by insurance? Once enrolled you can't cancel them till age 26. While I think most of us would do what we can for our kids, not sure I would want to be on the hook for my adult offspring.
    They can't guarantee that the provider won't SEEK payment from you, but that doesn't mean you've incurred any legal obligation to actually pay them. There is nothing in the ACA that would require parents to pay out-of-pocket expenses for their adult children. Furthermore, this is just for FEHB, not for all health insurance plans.
    Are you coming to bed?
    I can't. This is important.
    What?
    Someone is WRONG on the internet! -XKCD

  3. #73
    Phonetic Mnemonic ©
    radcen's Avatar
    Join Date
    Sep 2011
    Location
    Look to your right... I'm that guy.
    Last Seen
    Today @ 01:00 AM
    Lean
    Centrist
    Posts
    33,397

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Kandahar View Post
    They can't guarantee that the provider won't SEEK payment from you, but that doesn't mean you've incurred any legal obligation to actually pay them. There is nothing in the ACA that would require parents to pay out-of-pocket expenses for their adult children. Furthermore, this is just for FEHB, not for all health insurance plans.
    I'd bet dollars-to-doughnuts that there is a provision in virtually every plan that holds the primary insured liable for all out-of-pocket expenses. Large corporations don't get to be large by not being savvy in that regard.
    If you claim sexual harassment to be wrong, yet you defend anyone on your side for any reason,
    then you are a hypocrite and everything you say on the matter is just babble.

  4. #74
    Sage
    mike2810's Avatar
    Join Date
    Jan 2010
    Location
    arizona
    Last Seen
    Yesterday @ 11:59 PM
    Gender
    Lean
    Independent
    Posts
    14,981

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Kandahar View Post
    They can't guarantee that the provider won't SEEK payment from you, but that doesn't mean you've incurred any legal obligation to actually pay them. There is nothing in the ACA that would require parents to pay out-of-pocket expenses for their adult children. Furthermore, this is just for FEHB, not for all health insurance plans.
    True about being from the FEHB portion of OPM. The FEHB established what all offered policies must have in the benefits.

    If it is your policy, I bet if taken to court, you would be held responsible for the cost.

  5. #75
    Sage
    Harry Guerrilla's Avatar
    Join Date
    Dec 2008
    Location
    Not affiliated with other libertarians.
    Last Seen
    09-01-17 @ 02:38 PM
    Gender
    Lean
    Libertarian
    Posts
    28,955

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by mike2810 View Post
    I happen to look for some answers from OPM (federal) regarding the child care portion. Does'nt affect me,my kid is older than 26.

    24. Can I remove my child from my FEHB Self and Family enrollment?
    No. Your child will remain covered until his or her 26th birthday

    25. Who is responsible for the out-of-pocket health expenses of my child age 22 through 25?
    It depends. Generally, the adult child is responsible for any out-of-pocket health expenses charged by the health care provider. You can work with your provider to determine who pays for the out-of-pocket expenses incurred by your adult child. We cannot guarantee that the provider will not seek payment from you if your adult child fails to pay.For those who are all for having their adult "child" up to 26 years of age covered.

    Do you realize you may be on the hook for your childs medical expenses not covered by insurance? Once enrolled you can't cancel them till age 26. While I think most of us would do what we can for our kids, not sure I would want to be on the hook for my adult offspring.
    What is FEHB?
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  6. #76
    Sage
    teamosil's Avatar
    Join Date
    Oct 2009
    Location
    San Francisco
    Last Seen
    05-22-14 @ 12:47 AM
    Gender
    Lean
    Liberal
    Posts
    6,623

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Harry Guerrilla View Post
    What is FEHB?
    The health insurance program for federal employees.
    Total tax rates- People living in poverty: 16.2%. The median American: 27%. Working people who make over $140k/year: 31%. The top 1%: 30%. Super rich investors: around 15%. Help the democrats retake the house.

  7. #77
    Sage

    Join Date
    Nov 2009
    Last Seen
    Yesterday @ 11:40 PM
    Gender
    Lean
    Slightly Liberal
    Posts
    8,351

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by digsbe View Post
    I do support it, and not just because I am a 22 year old on my parents' insurance. From what I understand you can only be on their plan at 26 if you are enrolled in school. It gives a break to students who most likely can't afford an insurance payment while enrolled in school full time. I may be wrong on that criteria, but that's what I've heard. I've not done too much research into the extended coverage under parents' insurance.
    Well you are incorrect about the school criteria. Just wondering if you are 22, why aren't you working somewhere where they give you insurance.

  8. #78
    Sage

    Join Date
    Nov 2009
    Last Seen
    Yesterday @ 11:40 PM
    Gender
    Lean
    Slightly Liberal
    Posts
    8,351

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Helix View Post
    it will probably have to happen before that. rates have been rising at such a pace that they will make businesses uncompetitive. fewer and fewer jobs will offer coverage, and the coverage offered will be too expensive to buy, or it will be worthless. soon enough, those who foam at the mouth against the PPACA will begin to go bankrupt trying to help their kids, their parents, and themselves. in other words, the problem is going to have to get a lot worse before it gets better.

    1993 would have been the best time to change the system. 2010 was almost too late. we've passed the last chance of the easy way to learn. now we'll have to learn the hard way. the sad part is that those who saw it coming decades ago and fought to change it will suffer right alongside of those who fought for the status quo.

    Well as the saying goes. People get the government they deserve. We continue to vote into office people whose interests are not aligned with their constituents. A say that using no party distinction.

  9. #79
    Sage
    Harry Guerrilla's Avatar
    Join Date
    Dec 2008
    Location
    Not affiliated with other libertarians.
    Last Seen
    09-01-17 @ 02:38 PM
    Gender
    Lean
    Libertarian
    Posts
    28,955

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    The health insurance program for federal employees.
    So you can't remove an adult child from your insurance, but you may be liable for their bills.
    Pretty wonky **** if you ask me, the unintended consequences of broad legislation strikes again.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  10. #80
    Sage
    teamosil's Avatar
    Join Date
    Oct 2009
    Location
    San Francisco
    Last Seen
    05-22-14 @ 12:47 AM
    Gender
    Lean
    Liberal
    Posts
    6,623

    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Harry Guerrilla View Post
    So you can't remove an adult child from your insurance, but you may be liable for their bills.
    Pretty wonky **** if you ask me, the unintended consequences of broad legislation strikes again.
    There isn't anything that changed about being liable for your kids' bills. They just said in some FAQ that they couldn't guarantee that a provider wouldn't try to go after the parents. That isn't anything to do with the insurance coverage, it's just reality- providers sometimes try to get the parents to pay when their kid won't.

    As for not being able to remove your kid, what kind of scenario are you concerned about? You can always opt to just get coverage for yourself instead of family coverage. If you have family coverage, it doesn't cost more or less based on the number of people covered. So why would anybody ever want to keep family coverage, but remove their adult child? It's a free perk.
    Total tax rates- People living in poverty: 16.2%. The median American: 27%. Working people who make over $140k/year: 31%. The top 1%: 30%. Super rich investors: around 15%. Help the democrats retake the house.

Page 8 of 9 FirstFirst ... 6789 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •