Dependent Eligibility for Medical Insurance:
There are new federal and state mandates requiring insurers to offer dependent coverage to children age 26 (federal) and age 28 (state). This only pertains to medical insurance; it does not apply to dental, vision or life insurance. The eligibility requirements are different for the federal and state mandate, and these differences can be very confusing. Both laws only allow a child to qualify if he/she is not eligible for another employer-sponsored insurance plan.
The state law (under H.B. 1) goes into effect first – on July 1, 2010. Under the Ohio law, children can be covered until age 28. The child must be unmarried, but does not have to live with the parents. The child will have a separate policy and be charged for the plan. The child must be an Ohio resident or a full-time student at a public or private institution of learning and must not be eligible for coverage under Medicaid or Medicare.
The federal law (under Patient Protection and Affordable Care Act of 2010) goes into effect on July 1, 2011. Under the federal law, children can be covered until age 26. The child can be married or unmarried, and does not have to live with the parents. The child will be covered under the parent’s family plan and cannot be charged for a separate plan. The child does not have to be an Ohio resident or a student and may be eligible for coverage under Medicaid or Medicare.
Currently, monthly rates are available. The rate will be computed annually by the health care consortium. Contact the Treasurer’s office if you have any questions.
OMERESA Older Age Child Enrollment Handout
Adult Dependent Form