Certain states offer health insurance programs specifically for people with CF of any age. In each situation, the employee must pay the premiums to continue coverage. I have had Medicaid and am now eligible for private health insurance. If you have had coverage through Medicaid, Medicare or a state health insurance program, the time you were covered under such a plan can also be used as creditable coverage if you become eligible for a private health insurance plan. My insurance only covers my son until the age of 21.
Most policies contain language that ends coverage for a dependent child after a certain age.
Almost all states have a law under the state insurance code that allows the child to continue as a covered dependent if the child is incapable of self support due to a physical or mental impairment. Coverage will continue as long as the requirements are met. However, most insurance companies require re-certification each year. The child does not have to be receiving SSDI or SSI benefits to qualify as a disabled child under a parent's health insurance policy. Many people feel discouraged when their insurance company denies coverage and thus they do not appeal this decision.