Tuesday, July 19, 2011

Are teen mom's children covered under parents health insurance?

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?
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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.
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