Dependents According to Health Care Reform

KYHealthQuotes.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.

Lexington, KY (prHWY.com) September 12, 2012 - Lexington, Kentucky - The parameters for who qualifies as a dependent under Obama care 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 Kentucky 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 Kentucky 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 Kentucky 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. Employee Benefit Associates works with top rated carriers including Anthem BlueCross BlueShield and Humana

Employee Benefit Associates offers a quote engine at www.KYHealthQuotes.com that shoppers can access to obtain free quotes for a variety of insurance plans from established carriers like Anthem BlueCross BlueShield and Humana.

About KYHealthQuotes.com

KYHealthQuotes.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: ghumkey@ebaky.com
1029 Monarch St., Suite 130
Lexington, KY 40513
Phone
859-422-4242
800-394-2803 x 27

###

Tag Words: ky health insurance, insurance group

Categories: Insurance

Link To This Press Release:

URL HTML Code