OLYMPIA, Clean. - Parents or parents requiring medical health insurance for his or her children have from Sept. 15-March. 31 to sign up them within an individual health plan.
"If you would like medical health insurance for the kids, apply early," stated Insurance Commissioner Mike Kreidler. "Waiting to use can delay your coverage. Should you experience difficulty or have questions, call our Insurance Consumer Hotline at 1-800-562-6900"
Federal health reform prevents health insurance companies from denying coverage to kids with pre-existing health problems. However, much like employer-backed health plans, the insurance companies can make open-enrollment periods. Throughout these occasions, children under age 19 don't have to develop a health questionnaire and can't be refused medical health insurance due to a pre-existing condition.
Outdoors enrollment periods affect all health plans within the individual market. People purchasing individual plans don't get access to employer-backed health plans or their employer does not cover loved ones.
Exceptions where one can make an application for individual coverage for the kids anytime range from the birth or adoption of the child or maybe a young child or even the parent:
Is no more qualified for any condition program, Manages to lose coverage because of the divorce, Manages to lose employer-backed coverage, Moves as well as their plan's unavailable where they now live.
The following open enrollment period is March 15-April 30. Open enrollment periods for kids finish in 2014 once the full federal health reforms work and insurance companies cannot deny anybody coverage due to a pre-existing medical problem.
