Can grandchildren being taken care of by grandparents be on our insurance until age 26 and what if we go on Medicare?



If you are the legal guardian or foster parent, your grandchildren can be added to a healthcare plan you purchase on your own through your employer until they reach the age of 26. If you are not the legal guardian, they will not be covered in your individual or employer plans and you will have to look at other options.

Medicare is and will remain as individual health insurance only for those 65 and over. If you are on …

How do health insurance companies and Medicare determine “reasonable” amounts for health care services? Where can I go to get information about this?

The phrase “usual, customary, and reasonable” (UCR) refers to the amount third-party payers (including insurance carriers and Medicare) use to determine how much will be paid on behalf of an enrollee for services reimbursed under a policy or plan. Generally, payment for health care services is based on UCR rates, and most coverage is only a percentage of what is determined to be UCR.

For example, if a plan covers 80% of UCR charges and the enrollee is responsible for …