| Most health insurances only allow coverage of a | | | | -Is the child of a subscriber who is less than age |
| dependent until a certain age. For Horizon Blue | | | | 30; |
| Cross Blue Shield of New Jersey the age | | | | - Is not married; |
| restriction was coverage would terminate at the | | | | - Has no dependents of his/her own; |
| end of the year in which a dependent turns 23. | | | | - Is either a resident of New Jersey or enrolled as |
| However this has changed with the | | | | a full-time student at an accredited public or |
| implementation of Chapter 375, a new mandate | | | | private institution of higher education; |
| that allows coverage to continue until age 30. | | | | - Is not covered under any other group or |
| There are some limitations and restrictions but for | | | | individual health benefits plan and is not covered |
| the most part the new mandate is bringing joy to | | | | under Medicare; |
| many over age dependents attempting to peruse | | | | - Must have previously aged-out of their parent's |
| further schooling or for dependents who are | | | | group health plan, which is a fully-insured plan |
| unable to provider health coverage for | | | | issued in New Jersey and Is the child of a parent |
| themselves. | | | | who is actively covered under a group health plan, |
| The new mandate does not apply to employers | | | | which is a fully-insured plan issued in. |
| with Administrative Services Only (ASO) | | | | Another great thing is that even if a member is |
| contracts however; ASO clients will have the | | | | eligible for coverage (with the exception of |
| option to offer the continued coverage to their | | | | Medicare) they are not forced into taking it. They |
| employees. For the most part all other group | | | | would still be eligible for Chapter 375. |
| coverage is included in its implementation. The | | | | The biggest draw back is the cost. Chapter 375 is |
| best part is that a dependent does not even need | | | | more costly then even COBRA coverage. I would |
| to be living in New Jersey as long as they are a | | | | recommend to anyone who is about to become |
| full time student and meet the other criteria for | | | | an over-age dependent elect COBRA coverage |
| coverage. Something that varies however from | | | | first and then once COBRA's limitations run out |
| the normal Horizon policy is that the dependent | | | | then at that point elect Chapter 375. The reason |
| who elects Chapter 375 will only remain covered | | | | for this is that COBRA is generally cheaper than |
| until their 30th birthday, not until the end of the | | | | the Chapter 375's cost. This will save you money |
| year in which they turn 30. | | | | but gain you the same coverage as you had |
| According to Horizon's website Q&A on the new | | | | under your parents contract. |
| Mandate eligibility must include: | | | | |