• feed
    Subscribe
    to this Category Feed
  • Over Age Dependent Answers – California Small Group

    Many people are interested in knowing how each carrier will respond to adding over age dependents after September 23, 2010.  The following responses were received from each small group (2-50 employees) carrier for California.  Call us at 888-474-6627 if you have questions.
    This document is not intended to be authoritative, and its accuracy is not guaranteed. It is believed to be correct at the time of its printing. Any questions about official interpretations of the law should be directed to legal counsel.

    Will you have a special open enrollment for qualified dependents? 
    AETNA No they will be able to come on when the group renews after 10/01
    ANTHEM There will not be a special OE period other than OE on or after 9/23/10.  HOWEVER….Anthem did an early implementation and kept all dependents who would have normally been dropped prior to Sept 23, on the plan. These dependents were not dropped upon graduating from school.
    BLUE SHIELD There will not be a special OE period for qualified dependents.  They will be eligible to enroll during the groups regularly scheduled renewal period.
    HEALTHNET No, it will be at renewal or as new groups come on the plan
    KAISER If they opted out of the early provision on 6/1, there will not be a special OE period for qualified dependents.  The dependents will be eligible to enroll during the groups regularly scheduled renewal period on or after 9/23/2010.
    SHARP No, will only be able to re enroll at group’s renewal after 10/1/10.
    UHC No, dependents up to age 26 can be added during  the group’s open enrollment period. (Upon renewal after 9/23/10)

     

     Will the parent add the dependent at open enrollment/at their renewal as usual?
    AETNA Yes they will  
    ANTHEM Yes they will  
    BLUE SHIELD Yes, during the groups regularly scheduled renewal period the parent may enroll their eligible dependents by completing a Subscriber Change Form
    HEALTHNET Yes
    KAISER Yes, during the groups regularly scheduled renewal period the parent may enroll their eligible dependents
    SHARP Yes
    UHC Yes dependents up to age 26 can be added during  the group’s open  enrollment period (upon renewal after  9/23/10).

     

     Will the dependent extension apply to dental?
    AETNA Yes, dental mirrors medical. Dependents would have to wait til OE to join the plan
    ANTHEM Yes, stand alone or bundled
    BLUE SHIELD Yes, BSC will also allow overage dependents up to age 26 to enroll on the dental coverage as well.
    HEALTHNET Yes, to all ancillary lines
    KAISER Kaiser’s relationship is with Delta and no guidelines have been finalized on this item
    SHARP We do not carry dental plans.
    UHC At this time it’s  only for Medical.

     

     If a dependent loses student status in September will they stay on the plan or will they terminate and need to re-enroll at open enrollement/renewal after Sep 23?
    AETNA They can stay on the plan if they lose their status in Sept.
    ANTHEM They weren’t dropped, but if for some reason they came off the plan, they are eligible to reenroll at the employer’s normal renewal on or after 9/23/10
    BLUE SHIELD Because BSC implemented the reform guidelines early (eff 6/1/10) any over age dependents that are scheduled to drop off after 6/1/10 will remain on the coverage with no action required from the member up until age 26.
    HEALTHNET Will require letter from the employer requesting early implementation. Effective date will be first of the month following date received for CURRENTLY enrolled dependents. If dependent was previously cancelled or never enrolled, dependent is eligible to reenroll at the employer’s normal renewal after 9/23/10.  
    KAISER Because Kaiser implemented the reform guidelines early (eff 6/1/10) any over age dependents that are scheduled to drop off after 6/1/10 will remain on the coverage with no action required from the member up until age 26.
    SHARP We are currently no longer terminating currently enrolled dependents until they reach the age of 26.  However, if the employer has opted out of this new process we will terminate them at the time they reach the max age outlined on group agreement.  They will be able to re-enroll at group’s open enrollment/renewal after 10/1.
    UHC At this time, Only currently enrolled  dependents who became a “College Graduate” are eligible to remain on medical  coverage until age 26 prior to 9/23/10 (for those groups who did not  opt-out by 5/14/10).  For all others, the current contractual  dependent age limits apply and they will need to terminate if they are no  longer eligible; they can enroll at open enrollment after 9/23/10.  The  current contractual dependent ages are:1. Through age 18 for dependent and

    2. Age 19 through age 24 for full-time students

    Leave a Reply