Coverage gap for children over 22


Q: We are on the federal Blue Cross/Blue Shield plan, and our son will turn 22 evidently before the extension comes into effect. I understand that he gets a month of courtesy coverage, which would expire on Dec. 22. So, what do we do for the additional nine or 10 days to keep him covered?

A: He will be offered an opportunity to continue his coverage under the Temporary Continuation of Coverage provision in the current law. The cost of that coverage would be 100 percent of the monthly premium, plus an additional 2 percent for administrative costs. Note: The Office of Personnel Management is working with Congress to amend the law to allow dependents such as your son to be covered sooner than Jan. 1, 2011. If that happens, you won’t have a problem.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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