How Do Dependents Figure Into Health Care Reform?

SMH Insurance Agency offers major medical and life insurance coverage through its partnerships with the top rated carriers in Virginia, including Anthem and Prudential.

Richmond, VA (prHWY.com) September 12, 2012 - Richmond, Virginia - 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 Virginia 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 Virginia 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 Virginia 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. SMH Insurance Agency works with top rated carriers including Anthem of Virginia and the following:

* Aetna
* Banner Life
* Golden Rule
* Prudential

SMH Insurance Agency offers a quote engine at www.MedicalPlansOfVirginia.com that shoppers can access to obtain free quotes for a variety of insurance plans from established carriers like Anthem of Virginia.

About SMH Insurance Agency

SMH Insurance Agency offers major medical and life insurance coverage through its partnerships with the top rated carriers in Virginia, including Anthem and Prudential. Located in Richmond, Virginia, the licensed agents at SMH Insurance Agency are in touch with the community's medical needs. To learn more about your coverage options, access the agency's free quote engine.

Contact: info@medicalplansofvirginia.com
SMH Insurance Agency Inc.
4201 Cutshaw Avenue
Richmond, VA 23230
Phone: 800.658.1656

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Tag Words: virginia insurance, smh insurance agency

Categories: Insurance

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