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What are things to think about if a child chooses not to stay on a parent’s health plan?

ANSWER

If a child leaves a parent’s plan, if they pick:

  • An HMO, they’ll need to see a doctor in the HMO's network, and they’ll need a primary care doctor’s referral to see a specialist.
  • A PPO, they can see an in- or out-of-network doctor, but they’ll pay more for out-of-network ones.
  • A POS, they usually need to use an in-network doctor. But they could use out-of-network specialists for a higher cost.

From: Health Plans for Young Adults WebMD Medical Reference

SOURCES:

Caldwell, N. , February 2013. PLoS One

National Conference of State Legislatures: "Covering Young Adults Through Their Parents' or Guardians' Health Policy."

U.S. Department of Health and Human Services: "Young Adult Coverage" and "Young Adults and the Affordable Care Act."

American Dental Association: "Potential Effects of the Affordable Care Act."

U.S. Department of Labor: "FAQs About the Affordable Care Act Implementation Part II."

Reviewed by Sarah Goodell on February 14, 2018

SOURCES:

Caldwell, N. , February 2013. PLoS One

National Conference of State Legislatures: "Covering Young Adults Through Their Parents' or Guardians' Health Policy."

U.S. Department of Health and Human Services: "Young Adult Coverage" and "Young Adults and the Affordable Care Act."

American Dental Association: "Potential Effects of the Affordable Care Act."

U.S. Department of Labor: "FAQs About the Affordable Care Act Implementation Part II."

Reviewed by Sarah Goodell on February 14, 2018

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What can young adults do about health plans if their employer doesn’t offer them one?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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