Dependents as Defined by Health Care Reform

InsuringCT.com is committed to providing consumers and business owners with the resources, information, tools and solutions they need to find the best available insurance plans on the market.

Wesport, CT (prHWY.com) September 11, 2012 - Fairfield, Connecticut - 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' 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 Connecticut 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 Connecticut 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 Connecticut 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. Insuring CT works with Anthem of Connecticut and other top rated carriers including the following:

* UnitedHealthOne
* Health Net
* Oxford
* Celtic
* Cigna
* Aetna
* ConnectiCare

Insuring CT offers a quote engine at www.InsuringCT.com that shoppers can access to obtain free quotes for a variety of insurance plans from the carriers above including Anthem of Connecticut.

About InsuringCT.com

InsuringCT.com is committed to providing consumers and business owners with the resources, information, tools and solutions they need to find the best available insurance plans on the market. Our team of highly trained, dedicated and fully licensed agents is ready and eager to help insurance shoppers navigate the insurance process to find the right policy for their coverage needs and budgets.

Contact: tim_tracy@tracyassoc.com
19 South Compo Rd
Wesport, CT 06880
Phone
203-222-0900
877-227-3770

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