Why was my health insurance terminated when I am 20 and fulltime college student?
I am a dependant on my mother’s health insurance from her employer. Recently I was sent a mail requesting a proof of enrollment to show that I am indeed a full-time student. I put in a proof of enrollment that I am taking the 12 units in college, plus I also sent a copy of my schedule for this semester.
Today I get a letter saying that my insurance has been terminated and I am no longer eligible because of my age.
I thought full time students who are 21 and under can still be placed as a dependant? Is there a chance they just didnt receive my mail? If thats so, then why didnt they state that they didnt receive the required proof of enrollment instead of terminating me for my age?
I want to call them but they are closed for the weekend, so any advice from you guys so I know what I am saying when im on the phone with them would be helpful.
Btw it is not grades, I have a 3.5 gpa.
All those telling me to call them up is useless since I already plan to, what I need is any advice on what to say when I do call them on monday, since they are closed for the weekend.
Heath Web Blog
Maybe for grades???
Just call them and let them know about the whole issue. It’s probably a simple mistake.
As long as you are full time I think you have the right to stay with them. Check with them Monday - they made a mistake. If you have a lot of healthcare expenditures get an attorney.
PS: Never let your healthcare lapse if you can help it before getting insured with another company. If something happens to you in between they will all reject you! (USA! USA!)
not sure perhps 20 ther cutoff point get profesional advise
You must submit proof of full time student eligibility status from the University you attend at the end of EACH college semester to prove that you are still a full time student and therefore still eligible to remain on your parents health insurance policy. This copy can be obtained from the student admission office at your university. Most insurance companies will not accept a faxed copy but instead will require a copy with a RAISED SEAL proving that the document is legitimate. In either case, your coverage will be terminated unless such proof of full time student status is provided to the insurance company at the end of each semester. Once you provide proof that you were indeed eligible during the time period in question your coverage will indeed be reinstated with no lapse in coverage. Ask the insurance company if they require a certificate of full time student attendance with a RAISED SEAL. This may be the reason why they did not accept the first form you submitted. Faxed copies can be manipulated and forms with a seal can not (or at least it is more difficult to do so.) Hope this helps you. Don’t stress about this issue. It will be resolved to your satisfaction once the correct form is received by the insurance company.
Read your contract (policy).
Each state has its own laws governing insurance coverage of dependants. Find out what your own state’s laws are.
Below is a good place to get you started.
http://www.statehealthfacts.org/comparetable.jsp?ind=601&cat=7
Contact them by phone and ask fo an explanation or write to them again.
This varies from policy to policy. Some cut off at 19, some at 24/25.
Health insurance costs are rising dramatically. Far outpacing our wages and far outpacing any increase in company profits. One of the only ways to still offer insurance at all is to cut the benefits. The policy for my company has nearly tripled in less than 10 years. Our employees pay 20% of the cost AND 100% of the extra cost for spouse/kids. The coverage ends at 19 for dependents. We had no choice, it was either accept it, pay it, or we would cancel it all together.
I would imagine that your mom’s policy has changed. As the policy is actually your mother’s she is the one that needs to call.
Sorry
19 is the usual cut off. Also, they may not see 12 units as full time, as that is a very light load and most colleges would not even accept you as a student with only a couple of classes.