Do insurance companies have to abide by state definitions?

Question

In Texas, the definition of a dependent child for health insurance is 25 and younger, regardless of student status. My parents insurance has been going by that definition all of this year but now all of a sudden they are telling my parents that, as of this past January, I am not covered and that they don't have to go by that definition. I want to know how they think they can get around this rule.

Thanks for any help.

Answer 1

Contact the Texas State Insurance Department. It seems unlikely to me that any state would have a rule that says an insurance company has to insure anyone.

Answer 2

Well, here's the Texas insurance code but it's huge: http://info.sos.state.tx.us/pls/pub/readtac$ext.ViewTAC?tac_view=3&ti=28&pt=1

I'd suggest you contact the Texas Dept of Insurance and put your question to them.

"If you have an insurance-related complaint, you can file a complaint on our website and submit it online. You may also e-mail, mail, or fax a letter describing your complaint with copies of documentation to

Texas Department of Insurance
Consumer Protection (111-1A)
P.O. Box 149091
Austin, TX 78714-9091
Fax: [phone]
E-mail: [e-mail]"

http://www.tdi.state.tx.us/pubs/consumer/cb022.html

You can also contact their Life & Health Insurance department at 512-322-3409.