Aetna is one of the first carriers to offer extended health insurance coverage to dependents under age 26.  If you didn’t already know, the recent healthcare reform allows parents to keep dependent children up to age 26 on their health insurance plans.

With so many adult children graduating from college, Aetna saw the need and worry of families regarding their kids losing medical coverage.  Although healthcare reform addresses this issue nationwide later this year through regulation, Aetna is working with customers to extend coverage now.

This means current dependents under the age of 26 would not have to leave their Aetna Michigan plan when normally they would age out or are no longer full-time students.  This is also extended to adult children who would have lost eligibility effective May 31,2010.

An important note.  It does not include reinstatement of dependents who previously aged out of their plan.  It also does not affect dental, vision, standalone pharmacy or other benefits.

Aetna will continue coverage effective June 1, 2010 for dependents under age 26 who are currently covered on a parent’s medical plan.

Best news ever?  Aetna will not change the plan’s premium until renewal.

On the next renewal date on or after September 23, 2010 due to healthcare reform, all medical plans must cover dependents up to age 26.  This may include dependents who are not currently enrolled in the plan.

If you have questions about how this will affect you, please contact us at 888.320.5388.

Get a quote on Aetna Michigan health plans:

Originally posted 2010-05-26 10:19:14. Republished by Blog Post Promoter

Frequently Asked Questions

What health care insurance covers lap band or gastric bypass surgery?  Depends.  Health care insurance covering the lap band surgical procedure is determined on a person-by-person basis.  Some policies only cover the procedure when/if medically necessary.  It may be covered if you meet the national guidelines for the care of morbid obesity.

Insurance Companies that cover Lap Band

These are companies that are known to partially cover or completely cover LAP Band surgery.  It does not guarantee that you will be covered.  Insurance companies cover surgery on a case-by-case basis.

• Cigna
• Aetna
• TriCare
• Blue Cross (some states)
• One Health
• Tufts Health Plan
• Medicaid
• American Family Insurance
• Humana
• Great West
• First Health
• Anthem BCBS

Verify Insurance

To determine if you insurance policy covers bariatric ( lap band ) surgery, refer to the insurance policy packet you would have received after paying your first premium.  For group coverage, it would have been provided by your employer.  If you don’t have a copy, contact your human resources department  or your insurance provider.  They will be able to provide a copy for you.

Most likely there are two sections that describe limits and the extent of your coverage.  Look for:

• Covered Expenses or What is covered (or similar) – This lists all the healthcare benefits for which the insurance company will pay.

• What is not covered” or “When the plan does not pay benefits”.  - cost that may not be covered by your plan

Look for statements  where the health insurance company excludes coverage for weith control, treatment for obesity, surgery for weith control, or exclude outright bariatric surgeries.

Look closely for statements such as “Surgery for the treatment of obesity is covered when deemed medically necessary”.   If bariatric or lap band surgery is excluded except when medically necessary, then if you meet the carriers guidelines, you may qualify.

Related Posts:

Cost of Lap-Band in Michigan

Financing Lap Band Surgery

A list of carriers that we represent.  Click on the company name to read more and to get a quote from a specific carrier.

• Aetna
• Assurant Health
• BCBS of Michigan
• BCBS of Texas
• Celtic Michigan
• Cigna
• Golden Rule
• HealthPlus of Michigan
• Solo HAP
• Priority Health
• UnitedHealthOne
• UniCare

Aetna is one of the nation’s leading diversified health care benefits companies, serving members with information and resources to help them make better informed decisions about their health care. Aetna health insurance in Michigan offers a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life, long-term care and disability plans and medical management capabilities. Our customers include employer groups, individuals, college students, part-time and hourly workers, health plans and government-sponsored plans.

Aetna’s Michigan health insurance focus is on meeting Michigan customers’ needs by introducing innovative products, delivering strong customer service and providing easy-to-understand information. The result: a wide range of health and benefits options that deliver a valuable difference.

• Find a Michigan Aetna Provider
• Find a Michigan Aetna Document or Form
• Check Claim Status
• Get a New ID Card
• View Benefits Summary
• Aetna plans available in Michigan
• Pay Individual Premium

Carriers and Health Plans available in Michigan