Disabled adult son

[merrickzero]

What is the name of your state (only U.S. law)? Texas
I work for a school district have worked for them for only a year my son is 27 has cerebral palsy and is cortically blind, he is legally blind and will be dependant on myself and my wife for the rest of his life, I wanted to put my son on to my health plan and was refused as he is considered too old to be a dependant, is there any way around this is there someone I am able to appeal too, the district is a self controlled blue cross blue shield client, I can only see this as unfair and almost pregidous to disabled people

[cbg]

This really will depend on the terms of the plan, but if this is a BCBS plan I can tell you the procedure to appeal as just a few months ago I had to help one of my employees with a similar issue.

You will need to get in touch with the BCBS customer service. The phone number is on your ID card and you will need your plan number as well, also on your ID card. They have a specific form, I forget what they call it, that they will have to send you and which you, in turn, will need to have completed by your son's doctor and return to them (BCBS). They will then review it and if approved, your son will be considered "deemed disabled" and will remain on your plan indefinitely.

However, this is ALL contingent on your specific plan allowing an overage, but disabled, dependent to be covered in the first place. Unless the specific terms of your specific plan will consider an overage, disabled dependent as eligible for coverage, the whole thing is moot. Check with your employer's HR department to see if the plan will cover him. If it will, then the above is your next step. If it will not, then your only option is to find another policy somewhere that will cover him. Under NO circumstances can your existing plan cover him if he does not meet the definition of a covered dependent. Most plans would cover him in the circumstances you describe, but it is not carved in stone and is not required by law. You'll have to see what YOUR plan allows.