On January 1, 2022, Public Act No. 21-149, “An Act Concerning Dental and Vision Insurance Coverage for Children, Stepchildren and Other Dependent Children,” took effect. This act requires certain health, dental and vision insurance policies to continue coverage for a child, stepchild or other dependent child until the policy anniversary date on or after the date the child turns age 26.
Previously, health policies did not explicitly apply to stepchildren or other dependent children and allowed the policies to terminate coverage for children before age 26 if they obtained coverage through their own employment. As a result, dental and vision policies often ended coverage for children after age 18.
The act applies to individual and group health insurance policies delivered, issued, renewed, amended or continued in Connecticut that covers basic hospital expenses, basic medical-surgical expenses, major medical expenses, accidents only, limited benefits, hospital or medical services, including those provided under an HMO plan or single service ancillary coverage, including dental or vision coverage. These state insurance law requirements do not apply to self-insured benefit plans due to ERISA preemption.
Employers that sponsored insured plans should be aware of this law and may want to consult with their carriers for further information.
Public Act No. 21-149 »
Analysis and Legislative History »
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