Are all individual and group health insurance policies in Maine required to extend coverage for dependent children up to 25 years of age?
No, health insurance carriers are only required to “offer” you the opportunity to purchase an individual policy that provides for extended coverage up to 25 years of age. Similarly, in Maine health insurance carriers are required to “offer” your employer the opportunity to purchase a group health insurance policy that provides extended coverage for dependent children up to 25 years of age. However, your employer is not required to purchase a policy that provides extended coverage for dependent children up to 25 years of age. You can ask your employer to consider purchasing extended coverage for all employees covered under the health insurance plan, but many employers decline to do so because of the increased premium required. Is the insurance carrier required to permit your employer to purchase extended coverage for your dependent children up to 25 years of age without providing the same extended coverage for the dependent children of all of the other employees. No, in general employer
