You may remember your child’s first visit to the pediatrician like it was yesterday. The moment will come, though, when your child will require health care for adults. Not sure when pediatric care is no longer necessary for your child and move on to adult healthcare? This article is here to help you decide.
For both you and your child, this transition can be challenging. The transition to maturity can be easy if you’re well-prepared and have a strategy in place.
A New Medical Professional to Consult With
An individual becomes a legal adult when he or she is 18 years of age or older. A general practitioner, a family physician, or an internist are all examples of adult primary care physicians (PCPs).
Children and adolescents are the focus of pediatric training. If a young adult is enrolled in college, some facilities may continue to give assistance for an additional period of time (usually until college graduation or age 21). However, this can differ from one doctor to the next.
Ask your physician for a referral if your child does not want to see his or her family doctor or if your child’s health requires the attention of an adult specialist.
If your child has a rare ailment, handicap, or pediatric-onset condition, finding a PCP or adult specialist may be difficult (one that develops only in childhood). You’ll need a person who is able to deal with these difficult issues. The best time to look for a doctor is when you’re a teenager.
Ask if a new doctor can visit your child for a trial period. Then, check in with the pediatrician to see how things went and put the two doctors in touch to plan for the transfer of care. Allow yourself plenty of time to do this task. Until you locate an adult provider who better suits your child’s needs, he or she can continue seeing the pediatrician.
Making a decision about medical insurance.
You can keep your child covered under your health insurance plan until they become 26 under the Affordable Care Act (ACA). Your child doesn’t matter if they’re in school, working, or even married. Your insurance policy covers your child.
This means that if your child is covered by your employer’s healthcare policy and they turn 26, their coverage will terminate. Hence, you should begin your search for new insurance coverage well before this deadline. Your child can keep their insurance until the end of the year in which he or she turns 26 if an ACA Health Insurance Marketplace plan covers them.
In what ways can you change things up?
It is common for many organizations to incorporate group health insurance as part of their employee benefit package. Dental, vision, emergency, and routine medical care are all options for employees to choose from. If you’re out of work for a long period of time, long-term disability insurance can help with medical expenses. An additional fee is required if it is made available.
Your child will pay if he or she is insured through an employer. The number of exemptions claimed, a monthly cost (premium), and any co-payments or out-of pocket expenses for medical providers like doctors or pharmacists.
It’s possible that your adult child’s health coverage is no longer available via your employment or spouse’s plan. The Consolidated Omnibus Budget Reconciliation Act (COBRA) may then provide them with some form of insurance. Providers of U.S. health insurance must provide group coverage for former dependents for up to 36 months by law.
COBRA doesn’t go into effect of its own volition. There is a time limit on when your child can apply for health insurance, so encourage him/her to move swiftly. It will cost more than what your child paid as a dependent on your plan.
Individual health insurance can also be purchased through HealthCare.gov for your child. Most financial plans are focused on the salary of your adult child. Subsidies are provided to many in order to lower the cost of ownership.
Particulars to Keep in Mind
People with pre-existing conditions cannot be denied coverage or charged higher premiums because of their health status. The adult disabled child provision in your insurance policy may apply if your child has specific health care requirements. As a result, disabled adult children can remain on their parent’s health insurance plan indefinitely. You may want to investigate if your insurance provider covers this.
The Social Security Disability Insurance (SSDI) program may also be available to those who are disabled before the age of 22. (SSDI). Those payments are available to disabled children whose parents have paid into the Social Security system over the course of their working lives.
Benefits may be available to children whose parents have died, retired, or received disability benefits themselves. You’re also eligible for Medicare if you’ve been receiving SSDI for at least 24 months.
If their incomes are insufficient to pay the costs of medical care or if they are eligible for and receive Supplemental Security Income, disabled adult children may also be covered by the government’s Medicaid program (SSI).
A Patient’s Duty of Care
With regard to adult health, patients are expected to play a significant role in their own treatment. As a result, you have more power. Your kid, who has the right to privacy regarding any medical conditions, will make all the medical decisions. That information is only available if your child chooses to divulge it to you.
It is critical for young individuals to inform all of their health care providers of their medical history. This covers prior illnesses, surgeries, medications, and vaccinations. Allergies and family history of sickness, such as cancer or heart disease, should also be mentioned.
Keep copies of all medical documents and a current list of medications for your child.
It’s crucial to consult a doctor if you have a health issue, but routine checks and screenings are also necessary. A child’s personal and family medical history informs the selection of recommended health checks for him or her.
Before Your Child Becomes an Adult
In the teen years, encourage your children to take an active role in their health care management. Encourage teens to get more involved one step at a time. For example, they can make appointments and refill prescriptions. This fosters self-esteem and demonstrates to parents that their children are capable of taking care of themselves, which in turn increases their confidence.
There will be a gradual transition to adult health care. However, preparing ahead of time and discussing what to expect will aid children in managing their medical care when the time comes.
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