§ 27-18-59. Eligibility for children's benefits.
(a)(1) Every health benefit plan delivered, issued for delivery, or renewed in this state
and every group health insurance contract, plan, or policy delivered, issued for delivery,
or renewed in this state that provides health benefits coverage for dependents, except
for supplemental policies that only provide coverage for specified diseases and other
supplemental policies, shall make coverage available for children, including children
under guardianship, until attainment of twenty-six (26) years of age, and an unmarried
child of any age who is financially dependent upon the parent and medically determined
to have a physical or mental impairment that can be expected to result in death or
that has lasted or can be expected to last for a continuous period of not less than
twelve (12) months.
(2) With respect to a child who has not attained twenty-six (26) years of age, a health
insurance carrier shall not define "dependent� for purposes of eligibility for dependent
coverage of children other than the terms of a relationship between a child and the
plan participant, or subscriber; provided, however, that a child in the care of a
court-appointed guardian who is a plan participant or subscriber shall have rights
of eligibility identical to a natural born child of the plan participant or subscriber.
(3) A health insurance carrier shall not deny or restrict coverage for a child who has
not attained twenty-six (26) years of age based on the presence or absence of the
child's financial dependency upon the participant, primary subscriber, or any other
person, residency with the participant and in the individual market the primary subscriber,
or with any other person, marital status, student status, employment, or any combination
of those factors. A health carrier shall not deny or restrict coverage of a child
based on eligibility for other coverage, except as provided in subsection (b)(1) of
this section.
(4) Nothing in this section shall be construed to require a health insurance carrier to
make coverage available for the child of a child receiving dependent coverage, unless
the grandparent becomes the legal guardian or adoptive parent of that grandchild.
(5) The terms of coverage in a health benefit plan offered by a health insurance carrier
providing dependent coverage of children cannot vary based on age except for children
who are twenty-six (26) years of age or older.
(b)(1) For plan years beginning before January 1, 2014, a health insurance carrier providing
group health insurance coverage that is a grandfathered health plan and makes available
dependent coverage of children may exclude an adult child who has not attained twenty-six
(26) years of age from coverage only if the adult child is eligible to enroll in an
eligible employer-sponsored health benefit plan, as defined in section 5000A(f)(2) of the federal Internal Revenue Code, other than the group health plan of a parent.
(2) For plan years, beginning on or after January 1, 2014, a health insurance carrier
providing group health insurance coverage that is a grandfathered health plan shall
comply with the requirements of subsections (a) through (e) of this section.
(c) This section does not apply to insurance coverage providing benefits for: (1) Hospital
confinement indemnity; (2) Disability income; (3) Accident only; (4) Long-term care;
(5) Medicare supplement; (6) Limited benefit health; (7) Specified disease indemnity;
or (8) Sickness or bodily injury or death by accident or both; or (9) Other limited
benefit policies.