PPACA - Age 26 Rule for Dental/Vison

[Guest Ohio City]

Pursuant to my reading of the PPACA regulations, it appears that dental and/or vision benefits that are offerred under a spearate insruance policy or contract would not be benenfits subject to the age 26 requirement as now imposed under PPACA and the issue about whether the benefits are an "intergral part" of a group health plan is simply irrelevant for purposes of this analysis.

Thoughts on this opinon are appreciated.

[lvena]

So far, I agree with you, who knows what might change though. Here is a link to the fed source I use, which confirms my belief.

http://edocket.access.gpo.gov/2010/pdf/2010-11391.pdf

[GMK]

I, too, agree.

As an aside, some states have passed laws that require that such separate dental/vision plans be available to adult children to age 26 or even 27. The good news is that the federal tax code allows the income exemption for this coverage to age 26. This means no imputed income calculations for federal income taxes, even though PPACA does not require availability of the coverage.