I was wondering if a girl, lets say about 16 gives birth to a child, will that child be covered under the parents(16 year old's) insurance. I know all of different. but would most insurance policies cover the grandkid? or not?
Insurance - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No most plans would not cover the child since he/she is not a dependent of the parents. Some would not cover the teen mom. Pregnancy is only covered for the spouse.
2 :
the 16 year old would still be covered, but in most cases the grandchild would not.
3 :
No, the insurance policy would probably not cover the grandchild unless the grandchild becomes a dependent of the grandparent. If the grandchild becomes a dependent of the grandparent, then the grandparent might have the option of adding the child to his/her health insurance. If the 16 year old already has a health insurance policy of her own (not a dependent on her parent's policy), then she could add the child to her policy. If the 16-year old meets the income guidelines (doesn't make too much money), she can qualify for state assisted health care for her child.
4 :
interesting question i do not think so
5 :
No. This is one of the few exceptions to the rule that every policy is different. In this respect, they are only the same. A parent's health insurance can cover only the parent, the parent's spouse (in some cases), and the parent's own children (in some cases). No insurance policy covers grandchildren. The only possible exceptions are if the girl's parent adopts the baby as the grandparent's own child or if the girl's parent marries the baby (after the baby is old enough to marry).
6 :
No. Employers only let you add your spouse and your children. You CANNOT add a grandchild, without legally adopting them, and making them your child.
7 :
All these people are incorrect. Both the child (16) and grandchild could be covered under the grandparents health insurance. The 16yo is unable to get coverage in their own name.
8 :
The question is confusing. You want to know if the teen's kid would be covered under the teen's parent's policy? It depends. All plans are different. It's possible, anything is possible. If the teen is poor enough the teen could qualify for the welfare "state's" health insurance plan, Medi-Cal.
9 :
labor and delivery, and prenatal would be covered for the 16 yr old "mother", however the new born would NOT be covered. as it stands now, grandkids can not be covered as dependents. however being 16 and "low income" that CHILD could get free (in California it's called Medi-Cal) coverage for her CHILD (the new born)
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