Pa. And NJ Have Some Options To Fill In Popular Health Care Law Provision, If Struck Down

By John Ostapkovich

PHILADELPHIA (CBS) – One of the provisions of the federal health care reform law extends a parent’s coverage of dependent children to age 26.  But if the federal law is struck down, what then?

Neither Pennsylvania nor New Jersey officials would speculate on the big picture of health reform’s fate, but that each state addresses uninsured young adults on its own.

Pennsylvania passed a pre-health reform law extending possible coverage to age 30, says the Insurance Department’s Melissa Fox.

But, she says, “The way the Pennsylvania law is written, it’s up to the discretion of the policy-holder, meaning the employer.”

New Jersey actually has three paths to coverage: COBRA, New Jersey’s Small Group Continuation and one more: “We call it the New Jersey Dependant Under 31, the DU 31 election,” says Marshall McKnight, of the Department of Banking and Insurance.

“If a young adult’s parent becomes covered under a group health benefits plan sometime after the young adult reaches age 26, but before the 31st birthday, the young adult may be eligible to enroll as an over-age child of the parent.”

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  • Kathelleen Parsons

    how about lets focus on the co payment visits. I feel that it is really ridiculous that one has to pay full price co pay for a follow visit of any nature. The follow up visit should be half the cost.
    As for these “surprise” payment when at a ” annual” check ups, these codes need to be more worded, if you are at a “annual” check up that does not require a copay, then whatever procedure you get done there should not be an extra charge, especially if it is cancer related. How is one suppose to know that it is a cancer related procedure without not going to a “annual” check up. Or any check up. The doctors Visit should be the charge of the co pay and that is it. WHAT AM I PAYING $XXX AMOUNT OF MONEY FOR HEALTH INSURANCE, SO I CAN GET RIPPED OFF MORE AND PAY MORE. EITHER LOWE THE HEALTH INSURANCE COST OR MAKE THE VISIT COST BE ONE SET PRICE AND STOP ALL THESE SURPRISE COST TO PATIENTS WHEN VISITING THE DOCTORS!

  • JackXPowell

    Usually, with most insurance today, the amount the insurer pays the docs is already agreed upon. If you have insurance B, then it doesn’t matter which doctor you go to, insurance B will pay the same. Only thing you can shop around is the health insurance check~’Penny_Health’~for health insurance ideas to save money.

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