Are dental/vision insurance included in the federal subsidy?
Yes, if an employer and insurer allows a former employee to continue these coverages. However, the employer does not have to allow this. What happens with pre-existing conditions for employees with a gap in coverage? People who elect continuation of coverage – even after a gap of more than 63 days – are treated as though they had continuous coverage. Example: Taylor lost his job and health insurance in November and didn’t continue coverage. In April, after hearing about the federal subsidy, Taylor asked about state continuation and filled out an election form. His coverage and nine months of subsidy began March 1. His diabetes is covered as of March 1 and he gets reimbursed for any covered medical bills he incurred starting in March. However, he must pay any medical bills incurred in December, January and February. Are domestic partners eligible for the subsidy? No. The federal law defines a “qualified beneficiary” as a spouse or a dependent child of a covered employee. This means that
