How Health Care Reform Supports and Defines Dependents

The team of licensed agents at Hesselgesser Insurance Agency utilizes its collective industry knowledge and experience to service the insurance coverage needs of the Las Vegas metropolitan area.

Henderson, NV (prHWY.com) September 7, 2012 - Las Vegas, Nevada - The parameters for who qualifies as a dependent under Obamacare can seem a bit convoluted at first glance. Under health care reform, children are permitted to remain covered by their parents' Las Vegas health insurance as dependents until they turn 26 years old, regardless of marriage status or financial status. Coverage as dependents is not guaranteed for grandchildren of policyholders by the legislation, however. One detail that is not widely known is that health insurance carriers are, in actuality, not required by law to cover dependents at all. Most carriers do so by choice, and the companies that offer dependent coverage have a great deal of freedom in the criteria they can use to define a dependent for the purposes of Las Vegas health insurance coverage.

The federal law commonly known as ERISA requires group health plans to offer an equal level of coverage to biological children and adopted children. But the laws surrounding dependent coverage can change in some cases. While state laws may mandate coverage of certain children under some plans, state mandates have no power over self-funded plans that pay their own claims directly.

Regardless of your dependent situation, obtaining Las Vegas health insurance through an agency gives you the flexibility to "customize" your coverage by shopping around for the plan that is most suitable for your budget and medical needs. Hesselgesser Insurance Agency works with Anthem Las Vegas and other top rated carriers including the following:

* Aetna
* Farmers
* Capitol Indemnity
* Progressive
* Assurant
* Hagerty
* Old Republic

Hesselgesser Insurance Agency offers a quote engine at www.InsureVegas.net that shoppers can access to obtain free quotes for a variety of insurance plans from the carriers above including Anthem Las Vegas.

About Hesselgesser Insurance Agency

The team of licensed agents at Hesselgesser Insurance Agency utilizes its collective industry knowledge and experience to service the insurance coverage needs of the Las Vegas metropolitan area. The agency works with top rated insurance carriers, and consequently is able to offer free quotes via its quote engine.

Contact: info@insurevegas.net
229 N Pecos Rd #110
NV 89074, Henderson
Phone
702-434-1230

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Categories: Insurance

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