The one major change for the new health insurance system is the extension of age for all children. The health insurance coverage of the parent’s health insurance policy will now continue coverage for their children until the children turn twenty-six years old instead of nineteen. However, when children graduate high school and enter the college setting on a full time bases they can remain on the parent’s health insurance policy until they turn twenty-one years old.
Unfortunately, the most vulnerable in our society, our children, are the highest group of individuals who are without any type of low cost health insurance coverage. Parents who are unable to provide even the most basic health insurance for their children make it very difficult for children to keep abreast of their necessary inoculations and periodic medical health care physicians visits.
The schools require a physical exam for all children at the beginning of each school year and this can sometimes be a major difficulty for parents who have recently become unemployed. It is almost next to impossible to make an appointment with a medical health care physician without any health insurance coverage even when you can pay out of pocket.
Many children today suffer from various diseases that require the attention of a medical health care physician such as asthma, diabetes, cancer, and other chronic childhood illnesses. Without the assistance of a medical health care physician, this will only become progressively worse.
Many parents will take their children to the nearest community hospital and wait their turn in the emergency room to have their child seen by a medical health care physician. This may sound like an extreme measure, but as more individuals are let go of their place of employment it is becoming a reality of epidemic proportions.
The hopeful objective in the future of the new health insurance reform bill is to have the ability to cover most if not all of the children who are the future of our country. These are the children who will carry forward our traditions and celebrate life, as a free individual except under this new health insurance reform bill no citizen will ever truly be free again.
Where it become a gray area and confusing for many families is when they find they can continue to keep their children under their health insurance policy until age twenty-six. This becomes a problem when their child is under twenty-six years of age, married and with one or more children of their own.
The spouse of the child and the grandchildren will remain without any health insurance coverage. You have to ask yourself where the liability for the young family is. Would you remain under your parent’s health insurance policy until you turn twenty-six years old while your young spouse and children have no health insurance coverage?
You have to wonder how the state you live in will see this situation. Are you then liable under state law, through the Department of Social Services, as neglecting the needs of your young children? Will the Department of Social Services attempt to prosecute or will they now have to upgrade their laws and rules to accommodate the new health insurance reform bill?