Young Adults Remaining on Health Care Benefits of Parents, even without being a student, to age 26?

[Herman_Snerd]

Can anyone confirm if it is true that there is no longer a requirement for a young adult to remain a full time student, in order to remain covered by their parent's (or guardian) insurance? We have health care/ dental/ vision coverage, and our one of our kids is planning a gap / application cycle year after graduating in April, before perhaps starting med school or a PhD program in 2025. There used to be a requirement that to keep coverage they have to be a full time student. Now as I understand it that's no longer the case... Can anyone confirm based on their experiences? Thanks for considering this request.

 

[unkown1961]

I believe so but check with the company. Tri Care doesn't allow it though.

 

[MidCakePa]

Health insurance is a very big deal. Suggest you contact the primary source to get reliable information, rather than hearing from anonymous sources (however good their intentions may be).

 

[justdoit19]

We had our DD on ours as it was a family plan, she the oldest. She was actually employed (not in school), and had to leave our plan when she had a baby (a dependent cannot have a dependent). That was a while ago, but an example of a non student on a family plan.

Agree with Midcake to check and verify with your own plan.

 

[ProudMom7]

We had our older daughter on insurance until she was 26. She was not a student and she was no longer our dependent. We did not have to submit anything. We currently have our son on our insurance (also no longer our dependent) and he is no longer a student.

 

[RJB1690]

Agree with above. You will need to check. There are nuances from state to state. In Colorado, we can keep our kids on our employer plans until they turn 26, even though we do not claim them as dependents on our taxes and they do not live with us.

 

[RJB1690]

Adding that, for my husband's employer, the kids can remain on his health insurance until 26, but not his vision and dental. Vision and dental coverage through my spouse was possible only as long as they were full-time students. However, my employer allows health, vision, and dental until they are 26, regardless of student status. So the kids all currently have health insurance through my husband (his plan is better than mine), but vision and dental through me.

 

[unkown1961]

We're still trying to get a firm answer on if my AFROTC son has coverage between commissioning this May and when his flight training starts, and to what extent that coverage is (e.g., does he have to go to a base, etc.).

 

[Old Navy BGO]

We're still trying to get a firm answer on if my AFROTC son has coverage between commissioning this May and when his flight training starts, and to what extent that coverage is (e.g., does he have to go to a base, etc.).

Isn't this something that you would expect a young 2nd LT to figure out on their own ?
(And yes, unless something has changed .. if on active duty and commissioned, you have coverage..)

 

[HawkeyeMom]

We're still trying to get a firm answer on if my AFROTC son has coverage between commissioning this May and when his flight training starts, and to what extent that coverage is (e.g., does he have to go to a base, etc.).

Yes, my dd commissioned in Dec. and is still awaiting flight training. She is covered through Tricare, but it was a process (many phone calls) to get enrolled. It did take around 2 months to finally get confirmation of coverage starting

We are not close to any bases. I believe she was told she would be covered under Tricare Remote.

 

[Herman_Snerd]

We're still trying to get a firm answer on if my AFROTC son has coverage between commissioning this May and when his flight training starts, and to what extent that coverage is (e.g., does he have to go to a base, etc.).

You may find this tricare link on when coverage begins helpful. For Navy Tricare also had to be signed-up/ setup but coverage did kick in near when they commissioned, as did pay. FYI for new second Lt. marines, their pay doesn't start until they show up at TBS, which can be a delay for a few months.

Also, for the general reader FYI too, I did confirm my DD can remain on our health benefits until age 26, regardless of whether she is in school or not for our plan. There is some detail about coverage changes if she has her own child/ dependent, but no worries there for now.

Both dental and vision coverage will end when she is no longer a full time student for our vision/ dental plans. She just got glasses/ contacts/ a teeth cleaning in December but I recommended she get another round of all that in April while we still she is covered.

Thanks all.

 

[unkown1961]

Isn't this something that you would expect a young 2nd LT to figure out on their own ?
(And yes, unless something has changed .. if on active duty and commissioned, you have coverage..)

We alerted him to this question because a college kid doesn't think of these issues. He (a college senior, not a 2nd Lt) is going to talk to his commander to find out details while we are waiting to find out the answer to see if we need to add him to our coverage somehow, thus the collective use of "we." Not all uses of we mean that the parent is doing the work of the kid. And not all ROTC commanders know answers to questions like this.