Boca Raton, FL based Find Addiction Rehabs (FAR) recently published a trio of articles aimed at those looking for help remaining on a parents' insurance policy after turning 26. The articles also list some of the best ways to get coverage.
As many come to learn relatively early on in adulthood, most states have rules in place that remove people from their parents' insurance plans once they reach the age of 26, and this can seriously affect the ability of these individuals to get the addiction treatment they need. People who struggle with addiction are often not in the best financial circumstances, and having access to resources like their parents’ insurance could mean the difference between life and death. In their articles, Find Addiction Rehabs shares how people can get access to treatment without having to rely on their parents’ insurance.
“Growing up can be an exciting experience in many cases, as you are finally able to gain independence and start a new chapter of your life,” says Find Addiction Rehabs. “Of course, with this newfound independence, there are some setbacks that come with getting older. One of the biggest downfalls of adulthood is losing the health insurance benefits granted by being enrolled on your parent’s plan. Once you turn 26, you are removed from your parents’ health insurance plan, becoming responsible for your own individual coverage. As a result, many wonder if there is a way for them to keep this coverage.
Some states, notably, do allow an individual to remain on their parents’ health insurance even after they turn 26. These states include Florida, Illinois, Nebraska, New Jersey, New York, Pennsylvania, South Dakota and Wisconsin. In each of these states, with the exception of Nebraska, the age at which people are cut off from their parents’ insurance plans is 30 or 31, depending on their individual circumstances. New York only allows people to remain on their parents’ plan past 26 if they remain unmarried, for instance. Find Addiction Rehabs explains the rules in each state in their resources, highlighting how long people can remain on their parents’ plans.
The Affordable Care Act has made finding individual and group coverage options much easier. It allows people to research and compare health insurance plans in order to find one that meets all their needs. Another way to find coverage is through an employer, which many consider one of the easiest and most affordable ways to get health insurance. It can cover a lot of the costs surrounding healthcare as well, making it an excellent option for young adults looking for health insurance after being removed from their parents’ plan. Another option is making use of a spouse’s health insurance plan. Spouses can add each other to their insurance plans, and while this may lead to both or either paying higher premiums, it also results in solid healthcare coverage. With good coverage, visiting rehabs accredited by CARF standards where one is likely to receive the best treatment becomes possible.
“Once your 25th birthday rolls around, it is important to start thinking about what your needs are in terms of healthcare so you do not lose coverage,” Find Addiction Rehabs says. “Although you may be able to enroll during a special enrollment period if you lose coverage, it pays to be prepared nonetheless. There are many things that a young adult may take advantage of when on their parent’s health insurance plan, such as vision and dental coverage. While the rest of your physical health may be in good shape, your eyes and teeth are just two aspects of your health that will require regular check-ups throughout your life. With that being said, other medical emergencies can come up at any point in your life, especially as you begin to navigate life without the help or guidance of your parents. Having a health insurance plan already set up can significantly help minimize your concerns over the cost of healthcare should these medical issues come up.”
For more information on how to find insurance after the age of 26 or how to find Joint Commission accredited drug and alcohol rehabs, visit Find Addiction Rehabs’ website.
For more information about Find Addiction Rehabs, contact the company here:
Find Addiction Rehabs
Find Addiction Rehabs
2499 Glades Rd
Boca Raton, FL 33431