Most plans kick off a 26 year old at the end of their birth month. Some will allow you to stay till Dec 31st of that year. As to pre-existing conditions, as long as you obtain new coverage within 63 days of termination from the plan, pre-existing conditions must be covered, and the ACA mandates that you cannot be charged more than any other plan participant due to the pre-existing condition.Thanks. Hmm.. so he could have still been on his parent’s insurance at the time of that ER visit. It wasn’t until just after he turned 26 he disappeared it seems.
So if he was on their insurance for the ER visit, would any required medical follow up visits have been covered due to it being a pre-existing event/condition, or does insurance cut you off specifically on the birthday?
Anyone have a clear explanation for those of us not in the field?
I would think that he was on a family plan that was connected to a family business. I also think that they could have moved him into an “employee” role to keep coverage. However, they would have needed to be in touch with him to give him ID cards that he would need when visiting the ER and doctors.