The Affordable Care Act allows parents to keep adult children on their insurance plan until age 26. Blue Cross and Blue Shield of North Carolina circulated a press release recently crowing that it instituted the requirements of the new health care law with respect to young adults several years ago. But that doesn’t seem to be the whole story.
Here is what Blue Cross wrote:
In response, BCBSNC President and CEO Brad Wilson said, “Here at Blue Cross and Blue Shield of North Carolina, we are very pleased to be among the early adopters of the policy that is now the law of the land. We will work to welcome other insurers to provide this important coverage for young people. Doing so was the right thing for North Carolinians years ago, and it is the right thing for Americans now.”
I’ve heard of some problems people have had with Blue Cross because the policy adopted early by the insurance company does not match the requirements of the new health reform law. This could just be a glitch, or Blue Cross could be releasing confusing information.
The policy in place for several years at Blue Cross extends coverage to unmarried child dependents regardless of student status. But the new law allows young adults to remain on a parent’s insurance plan even if the young adult is not a dependent and even if the young adult is married.
It’s unclear whether or not Blue Cross is adopting all of these benefits early. If not, the company has confused many consumers by seeking undue praise. If so, it needs to make sure that the information is trickling down to call center representatives. And if Blue Cross has instituted the full requirements of the Affordable Care Act early then it indeed deserves huzzahs.