|BILL AS INTRODUCED||2007-2008|
Introduced by Representative O'Donnell of Vernon
Subject: Health; health insurance; college students; continued coverage
Statement of purpose: This bill proposes to require health insurance plans to continue coverage of a college student on his or her parents’ family health insurance plan as long as the student is in college.
AN ACT RELATING TO CONTINUITY OF HEALTH INSURANCE COVERAGE FOR COLLEGE STUDENTS
It is hereby enacted by the General Assembly of the State of Vermont:
Sec. 1. 8 V.S.A. § 4089d is amended to read:
§ 4089d. COVERAGE; DEPENDENT CHILDREN
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(b) A health insurance plan that provides for terminating the coverage of a dependent child upon attainment of the limiting age for dependent children specified in the policy, shall not limit or restrict coverage with respect to an unmarried child who:
(1) is incapable of self-sustaining employment by reason of a mental or physical disability that has been found to be a disability that qualifies or would qualify the child for benefits using the definitions, standards, and methodology in 20 C.F.R. Part 404, Subpart P;
(2) became so incapable prior to attainment of the limiting age; and
(3) is chiefly dependent upon the employee, member, subscriber, or policyholder for support and maintenance.
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(d) A health insurance plan that covers dependent children who are
full-time college students beyond the age of 18 shall include coverage for a dependent's medically necessary leave of absence from school for a period not to exceed 24 months or the date on which coverage would otherwise end pursuant to the terms and conditions of the policy or coverage, whichever comes first, except that coverage may continue under subsection (b) of this section as appropriate. To establish entitlement to coverage under this subsection, documentation and certification by the student's treating physician of the medical necessity of a leave of absence shall be submitted to the insurer or, for self-insured plans, the health plan administrator. The health insurance plan may require reasonable periodic proof from the student's treating physician that the leave of absence continues to be medically necessary.
(e) A health insurance plan that covers dependent children shall continue to provide coverage for a dependent child under the parent’s policy for as long as the child is enrolled as a full-time or part-time student in a degree program at an accredited college or university, subject to the provisions of subsections (b) and (d) of this section, but not beyond the child reaching the age of 23 unless otherwise specified in the health insurance plan.
The Vermont General Assembly
115 State Street