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Feds can't cover adult children until January

By Ed O'Keefe

By The Post's Federal Diary columnist Joe Davidson:

Although several health insurance companies said they will cover adult children on their parents' policies by June 1, the Office of Personnel Management says existing federal law prohibits that coverage for those in the Federal Employees Health Benefits Program until a new health insurance law takes effect in January.

In a notice to federal agency benefit officers Thursday, OPM said, "We are working diligently with the Congress to address this matter. In the meantime, children turning 22 are automatically covered for an additional 31 days under the parent’s coverage policy. During this time, families can decide to continue FEHB coverage for their adult child for up to 36 months through the Temporary Continuation of Coverage (TCC) program."

Caution: OPM said that "there is no federal contribution toward the premium" of the temporary coverage. That coverage, however, is not subject to exclusions such as those for preexisting conditions.

By Ed O'Keefe  | April 29, 2010; 1:13 PM ET
Categories:  Workplace Issues  
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Comments

Several weeks ago, an OPM representative told me that my son, who turned 22 in April, will not need to have 'continuing' coverage until January, and that I will be able to add my son back under my family group policy in January, even with his pre-existing condition, and a gap of no insurance for 8 months. Has this policy now changed???
Someone please advise...
Thanks.

Posted by: harley_guy | April 30, 2010 8:37 AM | Report abuse

It would be nice to see the "Federal Government" step up to the plate. Most private industry employers have plans that cover your children until age 25. Sure you can pay for the COBRA when you child is currently dumped at age 22, but who has that kind of money to spare. You can't afford to not have them covered. I don't understand why OPM can't make this change immediately. Because of this, I will wind up having to get a part-time job.....COBRA is $415.00/month and after waiting 1 1/2 months, I still don't have the paperwork to do this.

Posted by: marianknowles2004 | May 3, 2010 8:16 PM | Report abuse

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