Children’s California Health Insurance Articles – Benefits Cafe

Helpful advice and insights to handle the complexities of children’s health insurance with ease with topics from nutrition to wellness.

2022 Mar 30

How to Keep an adult child over age 25 on a group health plan

By |March 30th, 2022 |Categories: Small Group Health Insurance, Children's Health, Individual Medical Insurance Articles, Large Group Medical Insurance Articles|

California employers that offer group medical insurance often ask how they can keep a child on an employee's health insurance plan after turning age 26.  This article answers questions like this one: My son turns 26 in May and was diagnosed with Autism several years ago. I received a [...]

2010 Oct 18

Guaranteed Health Insurance for Children in California

By |October 18th, 2010 |Categories: Changes in Medical Care, Children's Health|

One provision of the new Federal health insurance reform law (PPACA) that became effective on September 23, 2010 was the requirement that all health insurance companies approve children under age 19 without regard for health status. While the new law requires insurance companies to sell coverage there is no requirement for parents to buy health insurance for their children. Fearing "adverse selection" where people would wait until they got to the hospital to sign up for coverage then cancel it after they received treatment (like buying fire insurance when your house is on fire) virtually all of the insurance companies refused to sell children only health insurance. In response, Governor Schwarzenegger signed AB 2244 into law September 20, 2010. This new law requires all California health insurance companies to offer children only individual policies on a "guarantee issue' (GI) basis beginning January 1, 2011. Failure to comply will cause the California health insurance company to be banned from selling individual health insurance plans for 5 years. This penalty is so sever that it forces insurance companies to either accept all children under these conditions, or go out of business. Read more about AB 2244 requirements and the law surrounding guaranteed health insurance for children in California.

2006 May 03

High Cost of Medical Insurance and Poor Nutrition

By |May 3rd, 2006 |Categories: Children's Health|

A panel of experts at the Milken Institute Global Conference 2006 described the poor health of many Americans, in a discussion entitled "Nutrition and Health - Separating Fact from Fiction." A Los Angeles pediatrian reported that children are now contracting adult diseases (such as adult onset diabetes) because they [...]

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