Dependents Coverage Under Health Care Reform

R&R Insurance is one of the largest independently owned insurance agencies in the Midwest. Consequently, the agency has access to top rated carriers and coverage options.

Waukesha, WI (prHWY.com) September 12, 2012 - Waukesha, Wisconsin - 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 Obamacare can seem a bit convoluted at first glance. One detail that is not widely known is that Wisconsin 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 Wisconsin 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 Wisconsin health 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 Wisconsin 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. R&R Insurance works with top rated carriers to provide Wisconsin Medicare and many other types of coverage including:

* Individual Health Insurance
* Group Health Insurance
* Group Dental Insurance
* Group Vision Insurance
* Group Long Term Care
* Group Disability Insurance

R&R Insurance offers a quote engine at www.MyKnowledgeBroker.com that shoppers can access to obtain free quotes for a variety of insurance plans including Wisconsin Medicare.

About R&R Insurance

R&R Insurance is one of the largest independently owned insurance agencies in the Midwest. Consequently, the agency has access to top rated carriers and coverage options. The team at R&R Insurance takes pride in working closely with clients to help them select the best health insurance plans for their lifestyle.

Contact:
R&R Insurance Services
1581 E. Racine Ave
Waukesha, WI 53186
Phone
262.574.7000
800.566.7007

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Tag Words: wisconsin medicare

Categories: Insurance

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