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Under the Affordable Care Act, a parent is allowed to extend their his or her insurance to a child until their 26th year. Reliant Reliant allows its missionaries to waive our medical benefits coverage when they have coverage through a parent's employer-offered insurance. If If you will be turning 26 in the next calendar year, you might consider electing for insurance coverage during our Open Enrollment period in October/November. This will start your medical insurance coverage through Reliant’s plan on January 1. This may have significant financial advantages for you.
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- Like all Reliant missionaries, you are required to enroll in Reliant’s medical insurance plan within 30 days of losing insurance coverage through an allowable waiver.
- Our policies only allow you to waive until your 26th birthday. At that time, we expect you to have made your insurance election and communicated with us.
- We will auto-enroll you in the plan with the lowest premiums unless you fill out the insurance enrollment form to let us know which insurance plan you would like.
- In the case of a Parent's Employer's Insurance offering coverage beyond the 26th birthday, Reliant needs documentation showing the end-of-coverage from that employer. Reliant Reliant will allow waiver until the end of coverage, with confirmation of extended coverage from the parent's employer.
- Insurance companies vary on their cutoff points for children who age-out of their plans; you are responsible to know when that is and contact us within 30 days of loss of coverage, or before your birthday, whichever is earlier.
- By enrolling during Open Enrollment, you will not have the hassle of finding out how your parent’s employer’s insurance interacts with this guideline.
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- Consider enrolling with Reliant's medical insurance during the Open Enrollment period.
- If you will be staying on your parent’s employer-offered insurance until your birthday, you will need to fill out a waiver form. Please send your completed waiver
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