Extending Health Insurance for an Adult Child with a Disability

According to a blog from the Texas Council for Developmental Disabilities, some Texas children with disabilities can stay on their parents’ insurance plans past the age of 26.

Conditions for the insurance extension include:

  • “The adult child is incapable of self-sustaining employment because of an intellectual, developmental, or physical disability.
  • The adult child is dependent on the parent for support and maintenance”

and, according to the post, “Proof of the individual’s incapacity for employment and financial dependency must be submitted to the insurance company no later than 31 days after the adult child’s 26th birthday.”

Map of Texas showing cows, cowboy, and oil field.
Texas parents of children with disabilities have choices regarding insurance coverage for their adult child. photo credit: Texas Puzzle Shape via photopin (license)

For more potential savings, if a family has at least one person receiving Medicaid, they can enroll in another program, Health Insurance Premium Payment (HIPP) program, that may pay for part of their insurance premiums.

According to the blog, “People with Medicaid and the additional coverage don’t have to pay deductibles, co-payments, or co-insurance when they receive Medicaid-covered services from a provider that accepts Medicaid. The provider is reimbursed for these expenses by Medicaid.”

Learn more about the HIPP program or apply here. If you have questions about HIPP and Medicaid coverage, call the HIPP helpline at 1-800-440-0493.

If you live in another state, consult the government program that handles the Employer Sponsored Coverage through Medicaid to learn about your options.

Source: Extending Health Insurance for an Adult Child

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