I have four dependent children. Two stepsons, and two younger biological children. I've always had workplace coverage that had one monthly premium for myself, and a larger premium if I wanted children covered.
My newest employer (Small business, Blue Shield CA) provided me with a rate sheet. It has a list of prices based by age. Do I have to pay a monthly price for myself and each dependent? Ages: 31(self), 19, 15, 6, 3.
I'm seeing some stuff about how I'd only have to pay premiums for the oldest three, but that's only if they're 19 or younger, or 18 or younger, or 21 or younger (on small business plan flyer for BS CA in 2018, but not on the one for 2021), or up until 26..... Then I go to the small business website section and there's nothing about any of it.
I tried calling and got a lot of confusion from Blue Shield. One person said that it was only the eldest 3 until 19, another said eldest three regardless of age, and another was not sure and said to ask my HR dept. I am working for a startup. The CEO is the HR.
WTF?!?!?!??!?
I just want to know the costs. My stepson COULD go on his own insurance for $100/month, but it would be a HDHP, and if the cost is near the same for him to be on mine with the lower deductible, we'd continue to cover him on ours. But we cannot get a straight answer.
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