US-InsuranceFilter: How do I know if an insurance plan is grandfathered under the new ACA "coverage of young adults" policies? The insurance company is acting like it is, but won't answer direct questions about being grandfathered.
I'm under 26, working full-time, and eligible for (though not currently covered by) insurance through my job. I'd like to continue to be covered by my dad's health insurance, which will changing in January with his new job.
My understanding is that the ACA says insurance plans must cover all children under the age of 26 (as explained here [PDF]
), but plans can be grandfathered in and don't have to do this until 2014. This new insurance plan is apparently grandfathered in, and says that they don't cover children who are eligible for insurance through their workplace. Fair enough.
But then I ran across this page
on healthcare.gov, which says
Beginning with the first plan or policy year starting on or after September 23, 2010, health plans must disclose their grandfathered status in any plan materials describing the plan’s benefits that are distributed to beneficiaries or primary subscribers.
Well, even though our giant info packet explains that they won't cover me, it never says that it's a grandfathered plan. So we called to ask directly, and the insurance rep just said that's the way they've been doing things for the last year.
Are they trying to pull a fast one here? Normally I'd assume the disclosure was buried in fine print somewhere, but the weird answer to my simple yes-or-no question makes me wonder if they can really restrict coverage like this. Given that they won't actually tell us if it's a grandfathered plan, what should be our next step?