NPR : News

Filed Under:

Young And Doubly Insured: A Modern Health Dilemma

There may be worse problems to have, but overlapping health coverage can be a problem for young people nonetheless.

Many young adults have more health insurance options now that they can stay on their parents' plans until they turn 26 under the administration's health law.

If an adult child who lives away from his parents' hometown goes that route, using in-network providers (whose services are generally covered at a higher rate than out-of-network providers) can be tough because many health plans' networks are regional rather than national.

Things can really get thorny, though, when someone is covered by both a college plan and mom and dad's insurance.

For those covered by more than one plan, getting in-network care may hinge on which plan is considered to be the primary one.

Young Invincibles, an advocacy group for young people, is beginning to work with the National Association of Insurance Commissioners to update a model regulation that addresses the coordination of benefits problem for young people with more than one insurance plan, says Jen Mishory, the organization's deputy director.

Without clear rules that spell out which plan takes the lead regarding provider networks, a young person who lives out of state and is covered by his parents' plan and a college health plan, say, or by health insurance through his job, might run into trouble trying to get in-network care when far from his parents' regional network.

That can mean he would be on the hook for a bigger share of the costs. Using out-of-network providers can also expose people to higher maximum out-of-pocket limits and balance billing by providers, among other things.

Likewise, a student covered by her parents and a college plan who is home visiting mom and dad over the holidays could get tripped up if she got sick far from her college coverage area.

On the plus side, a young person who is covered by two plans may be able to get more benefits covered, if the secondary plan "wraps around" the primary plan and fills in where the primary plan's coverage ends.

Working with the NAIC, Young Invincibles is trying to figure out "how we can coordinate those benefits so that everyone knows what their rights are, and help consumers access their benefits most affordably," says Mishory.

Copyright 2013 Kaiser Health News. To see more, visit http://www.kaiserhealthnews.org/.

NPR

He Died At 32, But A Young Artist Lives On In LA's Underground Museum

When Noah Davis founded the museum, he wanted to bring world-class art to a neighborhood he likened to a food desert, meaning no grocery stores or museums. Davis died a year ago Monday.
NPR

The Strange, Twisted Story Behind Seattle's Blackberries

Those tangled brambles are everywhere in the city, the legacy of an eccentric named Luther Burbank whose breeding experiments with crops can still be found on many American dinner plates.
WAMU 88.5

State Taxes, School Budgets And The Quality Of Public Education

Budget cutbacks have made it impossible for many states to finance their public schools. But some have bucked the trend by increasing taxes and earmarking those funds for education. Taxes, spending and the quality of public education.

NPR

Listen: 'Web Site Story,' NPR's Musical About The Internet — From 1999

Found in our archives: an Internet-themed remake of West Side Story from the dot-com bubble era. It begins with Bill Gates and features the sound of a modem but isn't as obsolete as you might expect.

Leave a Comment

Help keep the conversation civil. Please refer to our Terms of Use and Code of Conduct before posting your comments.