One of the most popular features of the Affordable Care Act is the provision which lets young adults stay on their parents’ health insurance plans until the age of 26. It’s let thousands of young adults squeezed by an unforgiving job market stay on health insurance when they’d otherwise have to take their chances as uninsureds.
Unfortunately, it still doesn’t mean that health insurers will cover everything for those young adults, as some families have discovered:
When Wendy Kline learned this spring that her 17-year-old daughter was four months pregnant, she took her to the doctor for prenatal care. Her insurer denied the claim, citing her employer’s policy not to cover maternity care for dependents.
“At that point my jaw hit the floor, because I did not know how we were going to pay for this,” Kline says.
Kline asked her company, a medical equipment retailer in Martinsburg, W.Va., to change its policy. But company officials turned the 26-year veteran employee down.
“You work all your life and pay these insurance premiums,” she says. “Then you ask for help and can’t get any. It’s just so unfair.”
Do you have adult children on your health insurance plan? Tell us about it in our discussion forum!
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