How Health Care Reform Affects Dependents

Many companies provide health insurance; however, Schleh Benefits Resources provides an enhanced level of expertise and customer service to help its clients find the perfect health plan.

Virginia Beach, VA (prHWY.com) September 12, 2012 - Norfolk, Virginia - Coverage for dependents on their parents' health insurance plans has been a major issue in health care reform. The parameters for who qualifies as a dependent under Obama care can seem a bit convoluted at first glance. 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 Virginia insurance plans that pay their own claims directly.

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.

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. Schleh Benefits Resources offers a broad range of coverage options through its partnerships with top rated carriers including BlueCross BlueShield of Virginia and the following companies:

* United Healthcare
* Aetna
* Humana
* CareFirst
* Kaiser Mid-Atlantic
* Optima

Schleh Benefits Resources offers a quote engine at www.OnlineHealthPlanQuotes.com that shoppers can access to obtain free quotes for a variety of insurance plans through BlueCross BlueShield of Virginia and other established carriers.

About Schleh Benefits Resources

Many companies provide health insurance; however, Schleh Benefits Resources provides an enhanced level of expertise and customer service to help its clients find the perfect health plan. We offer a variety of health and life insurance services guaranteed to bring you value, while meeting your medical needs and budget.

Contact: bschleh.sbr@cox.net
2245 Haversham Close Rd
Virginia Beach, VA 23454
Phone
757-226-0011
866-855-1110

###

Tag Words: virginia insurance

Categories: Health

Link To This Press Release:

URL HTML Code