RE: Health law kicks into 2nd gear; does it help me?

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 8:36:31 AM

tazzygirl

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Then why wont the sprem donor cover him? That is my point. HERS wont, but his may have too under the new law. The law provides for those previously covered to continue to be covered under the new rules. It doesnt say if you havent been covered you now will be.

Its not that hard to understand. Have the sperm donor continue to cover.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 8:45:11 AM

JstAnotherSub

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Let me try this again. My adult son is 22 and has been without any health insurance since he turned 18 and the courts quit ordering his sperm donor to cover him.

Other than sending child support and keeping the kid on his insurance, the sperm donor has had no contact since he lefy in March of 2002. I am sure he would think he is father of the year because the child support was never late, but thats a different thread.

I have had insurance through my work for 14 years now, but the kid was always on the sperm donors policy, even when we were still married, because it has the better coverage and was cheaper.

It is my opinion that, if this was really meant to help all people, I would be able to add the kid to my policy during open enrollment. I feel as if I am being penalized, as is my son, because that can not happen.

As for them making the sperm donor cover the kid, he is now disabled and on SSI, 62 years old, and gawd knows where. You figure out how to MAKE him cover the kid and lemme know.

http://news.yahoo.com/s/time/20100923/us_time/08599202091700

4. Coverage for Young Adults
Insurance companies must allow parents to include children age 25 or younger as dependents on their policies. Children 25 and under can join their parents' policies even if they are not listed as a dependent for tax purposes and even if they don't live with their parents. However, as with coverage for children with pre-existing conditions, there are a number of caveats that apply to this new rule. Some plans that existed before the Affordable Care Act was signed, on March 23, 2010 - like those that maintain grandfathered status - will not be required to extend dependent coverage to these young adults if they can get their own insurance through work. Children ages 19-25 who have pre-existing conditions may face exclusion periods. Plus, about half the states already allow adult children to be included as dependents. Still, up to about 2.5 million young adults could gain new coverage.

edit to add link and below

This link, and everything else I have read, has no mention of lapses in coverage being a problem, nor do they mention the thing about "had to be covered on that parenets policy before".

Even our HR department sent mail a few months ago, letting us know what procedure we would follow if we wanted to add adult, unmarried children who can not get insurance through their work, or are unemployed.

I just think the whole build up has been kinda slanted to make it seem like this change is more that it really is. Oh wait, thats how the government does shit! Why am I even surprised?

< Message edited by JstAnotherSub -- 9/24/2010 8:57:42 AM >

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 8:54:19 AM

tazzygirl

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Its amazing to me, and no offence to you, Justa, that people expect automatic, complete and instant corrections of all the problems associated with health care.

It didnt get broke overnight.

It wont be fixed overnight.

The fact that many children - now - adults are able to be covered once again under their parents insurance policies is a huge step, forcing insurance companies to open that wallet a bit more.

I cant understand though, if you could have covered him under your insurance as well as the father covering him under his, why didnt you? Not saying you should, that was your decision. Just seems to me that more coverage would mean less money out of pocket.

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Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
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Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:01:57 AM

JstAnotherSub

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quote:

ORIGINAL: tazzygirl

Its amazing to me, and no offence to you, Justa, that people expect automatic, complete and instant corrections of all the problems associated with health care.

It didnt get broke overnight.

It wont be fixed overnight.

The fact that many children - now - adults are able to be covered once again under their parents insurance policies is a huge step, forcing insurance companies to open that wallet a bit more.

I cant understand though, if you could have covered him under your insurance as well as the father covering him under his, why didnt you? Not saying you should, that was your decision. Just seems to me that more coverage would mean less money out of pocket.

I dont expect instant anything. I expect something that has been talked about for months to be what they said it is.

As for more coverage being less out of pocket, when the exes paid 100%, what good would have come from me adding the kid to my opolicy and spending $100 more a month on him?

I dont understand why you are so upset about this and feeling the need to let me know I am expecting instant gratification and how wrong I was to not have the kid covered under me. If you don't get my point by now, you never will.

Whether that is due to my communication skills or your comprehension skills matters not in the long run.

Have a great weekend.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:05:52 AM

tazzygirl

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Matters little to me that you can not actually comprehend the law you are criticizing.

The law was specific. It extends coverage to those who were covered before.

You opted not to conver your son. He was court ordered to cover till 18.

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Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:10:43 AM

JstAnotherSub

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quote:

ORIGINAL: tazzygirl

Matters little to me that you can not actually comprehend the law you are criticizing.

The law was specific. It extends coverage to those who were covered before.

You opted not to conver your son. He was court ordered to cover till 18.

Please show me where it has ever been stated that only those children who are now, or have been before, on the parents policy, will be eligible for coverage to the new age.

I have read everyting I can find and have yet to see anything that says that. The first knowledge I got about it came from my HR department, who was also caught unaware by it.

If the law is that specific, I would like to see what my self and my HR dept missed. Thanks for your help.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:15:00 AM

tazzygirl

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The landmark health-care-overhaul law that kicks in today will begin to provide millions of Americans with new medical benefits, chief among them the option of extending coverage to children who want to remain on their parents' plans to age 26.

Read more: http://www.azcentral.com/news/articles/2010/09/23/20100923health-reform0923.html#ixzz10SqNeBCy

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Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:20:54 AM

JstAnotherSub

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That is an article in a paper, not the law. I can extend an olive branch, to someone I have never extended one to before. I can extend my hand in friendship. Guys can extend the size of their dick.

I don't see extend as meaning a continuation of something. I have to go work for a couple of hours to get ready for going back to work Monday, but I will check more when I get home to try to find the exact wording of the law. Liek I said, I am not the only person who seems to have misunderstood the intent.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 9:44:13 AM

tazzygirl

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Here ya go

Effective September 23, 2010
Dependents (children) will be permitted to remain on their parents' insurance plan until their 26th birthday,[41] and regulations implemented under the Act include dependents that no longer live with their parents, are not a dependent on a parent’s tax return, are no longer a student, or are married.[42][43]

http://en.wikipedia.org/wiki/Patient_Protection_and_Affordable_Care_Act#Effective_September_23.2C_2010

The Affordable Care Act allows young adults to stay on their parents’ health care plan until age 26. Before the President signed this landmark Act into law, many health plans and issuers could and did in fact remove young adults from their parents’ policies because of their age, leaving many college graduates and others with no insurance.

Providing Relief for Young Adults
The Affordable Care Act requires plans and issuers that offer coverage to children on their parents’ plan to make the coverage available until the adult child reaches the age of 26. Many parents and their children who worried about losing health insurance after the children moved away from home or graduated from college no longer need to worry.
The Departments of Health and Human Services, Labor, and Treasury have issued regulations implementing the Affordable Care Act by expanding dependent coverage for adult children up to age 26. Key elements include:

• Coverage Extended to More Children. The goal of this new policy is to cover as many young adults under the age of 26 as possible with the least burden. Plans and issuers that offer dependent coverage must offer coverage to enrollees’ adult children until age 26, even if the young adult no longer lives with his or her parents, is not a dependent on a parent’s tax return, or is no longer a student. There is a transition for certain existing group plans that generally do not have to provide dependent coverage until 2014 if the adult child has another offer of employer-based coverage aside from coverage through the parent. The new policy providing access for young adults applies to both married and unmarried children, although their own spouses and children do not qualify.

• Effective for Plan or Policy Years Beginning On or After September 23, 2010. Secretary Kathleen Sebelius called on leading insurance companies to begin covering young adults voluntarily before the implementation date required by the Affordable Care Act (which is plan or policy years beginning on or after September 23rd). Early implementation would avoid gaps in coverage for new college graduates and other young adults and save on insurance company administrative costs of dis-enrolling and re-enrolling them between May 2010 and September 23, 2010. Over 65 companies have responded to this call saying they will voluntarily continue coverage for young adults who graduate or age off their parents’ insurance before the implementation deadline

http://www.whitehouse.gov/sites/default/files/rss_viewer/fact_sheet_young_adults_may10.pdf

I will be interested in seeing which Law you find something different stated.

Here is the Law as it exists and was signed by Obama.

http://www.gpo.gov/fdsys/pkg/PLAW-111publ152/pdf/PLAW-111publ152.pdf

_____________________________

Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 12:58:20 PM

JstAnotherSub

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quote:

The Affordable Care Act allows young adults to stay on their parents’ health care plan until age 26. Before the President signed this landmark Act into law, many health plans and issuers could and did in fact remove young adults from their parents’ policies because of their age, leaving many college graduates and others with no insurance.

Providing Relief for Young Adults
The Affordable Care Act requires plans and issuers that offer coverage to children on their parents’ plan to make the coverage available until the adult child reaches the age of 26. Many parents and their children who worried about losing health insurance after the children moved away from home or graduated from college no longer need to worry.
The Departments of Health and Human Services, Labor, and Treasury have issued regulations implementing the Affordable Care Act by expanding dependent coverage for adult children up to age 26. Key elements include:

• Coverage Extended to More Children. The goal of this new policy is to cover as many young adults under the age of 26 as possible with the least burden. Plans and issuers that offer dependent coverage must offer coverage to enrollees’ adult children until age 26, even if the young adult no longer lives with his or her parents, is not a dependent on a parent’s tax return, or is no longer a student. There is a transition for certain existing group plans that generally do not have to provide dependent coverage until 2014 if the adult child has another offer of employer-based coverage aside from coverage through the parent. The new policy providing access for young adults applies to both married and unmarried children, although their own spouses and children do not qualify.

• Effective for Plan or Policy Years Beginning On or After September 23, 2010. Secretary Kathleen Sebelius called on leading insurance companies to begin covering young adults voluntarily before the implementation date required by the Affordable Care Act (which is plan or policy years beginning on or after September 23rd). Early implementation would avoid gaps in coverage for new college graduates and other young adults and save on insurance company administrative costs of dis-enrolling and re-enrolling them between May 2010 and September 23, 2010. Over 65 companies have responded to this call saying they will voluntarily continue coverage for young adults who graduate or age off their parents’ insurance before the implementation deadline

I am about to start drinking, and I really am not looking to argue Tazzy. The bolded statements are ones that, to me, do not indicate anything about a child having already been covered. I spoke to HR again today while I was at work, and they are still waiting for an definate answer about situations such as mine. They assured me they will be positive before open enrollment starts in November.

This thing is worded in a way that eaves it open to different interpretations. If my HR dept, which is for an employer with over 20,000 employees is still waiting for the final answer from their lawyers or lackeys or ghost whisperers or whatever, then I am good with my confusion.

I do not know what type of work you do, that enables you to understand such gobblelygook so clearly, but I still need it spelled out for me, and nothing you have shown me makes it clear.

Not calling you wrong, not whining for instant coverage, not doing a thing but stating things how I see em.

Thanks for all your work trying to help.

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