Medicare Eligible. Can My Adult Child Stay On My Work Insurance

Medicare Eligible. Can My Adult Child Stay On My Work Insurance

I am 64 years old. I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not. If I do that, can my child stay on my work’s insurance plan? He is 23 years old, and a full time student with a part time job that does not offer health insurance. I am worried about what will happen to him if I go elect Medicare coverage.

The short answer is no. Your child cannot stay on your work health plan if you are not enrolled in the plan. This is very common situation as Health Care Reform has expanded the age of dependents for health insurance purposes.

Prior to the new health insurance law, adult children were generally ineligible to stay on their parent’s plans beyond 19 years old, but Obamacare has changed the age to 26. The effect of this change is that millions of young adults have been able to maintain health insurance coverage through their parent’s health plan. The downside to this is that many parents find themselves eligible for Medicare (click here for Medicare Explained) but unable to participate without leaving their adult children uninsured.

What to do? Your adult children should buy an individual health insurance plan of their own. It was never a great solution for them to be on your health insurance plan to begin with, as we describe in this post. And, effective January 1, 2014, there are even more reasons:

1) There will be premium assistance credit’s available, on a sliding scale, to those who’s income falls within Federal Poverty Levels. This applies to many young adults just starting careers, finishing college and graduate school, or who are unemployed.

2) Individual health insurance plans now offer Affordable healthcare act summary , which drastically improves coverage and the need to pay for health expenses out of pocket.

3) There may be tax implications to your child on your health plan, if they are non-dependent for tax purposes. What is the impact on HSA’s, click here.

Lastly, and this is not a new reason, but it is the best reason: you and your adult child are at different stages of life and have MUCH different health care needs. Your health insurance plan should be different than your child’s health plan for the best, most affordable health care for all of you.

Iphone Apps That Any Parent Can Use

Iphone Apps That Any Parent Can Use

Technology has become a critical part of living in the modern world.We use it for much more than just staying in touch with family and friends. It has become part of our daily lives. If you can thinks of something, the chances are that there is an iphone app out there for it. They even made apps that will help any parent to make parenting easier.

Here are 5 cool apps for you to try:

Total Baby

Wow. Parents who like technology will love this app.This app allows you to keep track of basically anything, from sleeping times to doctor appointments even when you fed the baby and which breath you used to feed him. It enables you to also create a timer to log whatever you want to keep time of. If an all-in-one app is not quite your thing then please have at the apps below.

Baby Tracker:

As a new parent there are a million things you need to keep track of. If your baby is not of of those that scream the roof off when they need to be fed, then this app will remind you when his next feeding is. The app also tracks the length of the feeding session and which breast you used last.

Baby Monitor

A clever little app that lets you use your iphone as a baby monitor. This app alerts the parent by phoning them when the app detects a noise in the baby`s room. What makes this app great is that it has unlimited range.

White Noise

This app plays soothing ambient sounds to help your baby sleep. Now there is no need for playing music to your baby. This app has been featured in plenty of magazines and not just for baby, any parent will find it very relaxing to listen to. You can choose from 40 sounds like the clothes dryer to hard rain.

Grocery IQ

We are all aware that you as a parent have a lot of things on your mind. When you get the chance to eat and open the fridge,only to find out that it is all empty can be a very unhappy experience. We have all experienced how hand written grocery lists disappear into the same vortex as children`s socks.Well thankfully this app you are able to access you grocery list with your iphone.

Chinese children and American children

Chinese children and American children

For a long time, the Chinese children accept inculcation education while the American children are different. Generally speaking, the Chinese children are better at the test than American children, but cant exceed Americans on research.

In the United States, you may see toddler children everywhere. If the children fell, parents generally will not actively run up and bent over to bring children to their feet, and just ask them to up. Child sees no adults to help, and have to stand up, unless caused bleeding. No matter in the park, or in the street or aircraft of the aisle, can see a child in front staggered, parents follow to run.

American parents have paid much attention to communication with children. My American friend tells me that American parents pay great attention to the children’s communication. When children were born, parents try to learn to communicate with children, pass his parents’ feelings onto their children. Open the American newspapers, there are also articles encouraging parents to communicate with children, which says American parents have reached a consensus, If you want to cultivate a smart lovely kid, firstly you should learn to communicate with children. Parents dont need to worry about this exchange become unilateral will, because babies have the ability to relate to others, and would like to contact with you.

According to the American friends introduction, the American children live separately from parents when they are very young, children sleep alone in a room. Of course there will also be children afraid of loneliness. Children at the age of 18, will have to earn money to solve livelihood, this is not because parents have no money but let a child earn money soon independently.

After entering university, children can apply for credit CARDS, this is to learn to manage the money and pay the bills, if not pay bills in time, personal credibility is with besmirch, then they can meet a lot of trouble. In neighboring university graduation, automobile dealer will sell cars to school. Children began his rental, renting an apartment, doing odd-jobs, but now the child doesnt have fixed work, he should have guarantee if he buy valuable things. Then, after graduation he can find fixed work, with the passage of time, income growth, he will buy houses, cars, and further improve the living, this system can let children as early as possible to adapt society independent lives.

This kind of cultivating system is a good reference to Chinese parents as well.

The Importance Of Finding A Ct Family Dentist

The Importance Of Finding A Ct Family Dentist

Finding a CT family dentist is not like searching for a needle in a haystack it is more like panning for gold. You have to do the hard work, but after you find one, you will see that they become more valuable as time goes by. Family dentistry is one of the few services around that grows with your family.

There was a time when the local grocers, the butcher and the pharmacist were highly identifiable members of the community. If someone remarked that the wife of the pharmacist had a baby, everyone knew the pharmacist.

Doctors were known to have delivered children from two generations in the same family. The familiarity goes beyond just name or face recognition- it meant that the doctor had a very good understanding of the history of a family. In this day of superstore and supermalls, on some level, we have lost that personal community connection. Although the service stations that fixed your car and the mail man who walked to deliver the mail are long gone, your family dentist is alive and well.

Magnificent smiles are no accident
A magnificent smile does not just happen, it needs a solid foundation. We would all like to assume that if we brushed and flossed every day our teeth would be perfect. More often than not, teeth grow in crooked and the mouth is a perfect environment to harbor bacteria which causes disease.

Preventive care is the most effective and economical way to avoid serious dental problems. A good family dentist will maintain a computerized re-care system that notifies you when it is time for check-up appointments. Preventative dentistry with your family dentist will include screenings for oral cancer and will catch small problems before they become emergencies. Your family dentist will also help you stay ahead of periodontal disease, a problem that afflicts 75% of the population.

A family dentist will instill the understanding of the importance of regular dental care, and nothing is more important than the health of your children. The family dentist must be dedicated and compassionate when it comes to pediatric dentistry, taking special care to make your child’s visit pleasant.

Hopefully, your child will become comfortable with dental procedures, and come to realize the importance of visiting the dentist. As your children grow, they will see the dentist as a familiar part of their overall health care. They will have an opportunity to “grow up” with the same dentist and enjoy dentistry at its best.

The right family dentist in CT
If you are looking for a family dentist in the West Haven and Milford area, pick up the phone. They have the experience and the technology to provide you and your family with proper care in a relaxed and calm environment. After you schedule for a free consultation, you will be convinced that you are finding the right CT family dentist.

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