Tuesday, January 20, 2009

HEALTH iNSURANCE

Health insurance?
I am about to turn 18. I have blue cross blue shield though my parents. Someone told me I had to register in school to keep my insurance. But someone else told me I am covered until I am 21 as long as I am not married and am my parents dependant.

Which one is true? Need to know. I am turning 18 in a week and its to late to register until Winter. I have health problems. Not good!
Insurance - 11 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It depends on the plan...Most insurance companies will not cover you over the age of 18 unless you are living in their house and going to college.
2 :
Well, it's going to depend on what state you are in, but NORMALLY, you have to be a full time student if you're over 18, to stay on your parents' insurance. "Someone else" is probably wrong.
3 :
Most plans require you to be a full-time student if you are over 18 (and some plans are 19....if you are lucky!) I would call blue cross tomorrow and ask them. i used to work at blue cross and some plans did say 19, because many people turn 18 while still in high-school. (and if you are still in high school, that does still count as being a full-time student)
4 :
Have your parents check their plan. Sometimes they'll cover you without being a student until the end of the calendar year you turn 18, sometimes it's 19. Most plans though, will only cover you if you can prove you're a full time student... Sometimes, depending on your parents' employer, they can purchase COBRA coverage for you for the time between now and when you go back to school. (My boss did that for her son once upon a time.)
5 :
Have your parents check their plan to see what age is covered until. Jesus saves? He ain't saving you from this situation.
6 :
Zippy and Kelly have given you wonderful advice and I agree completely. To "Old School:" be nice! This is Insurance, not R&S! Jesus DOES save. You can find out now or later -- it's your choice.
7 :
You need to have your parents look up what an eligible dependent is under their coverage in their benefit booklet. If they no longer have this, they can speak to someone in their HR department or contact BCBS customer service. Most BCBS group policies cover a dependent to age 19 end of year. If your parent's coverage is through a COBRA eligible employer, losing coverage due to loss of dependent status is a COBRA qualifying event.
8 :
They are both true. If you are a full time student under 21, then you can be dependent on your parents' insurance.
9 :
Full Time Student (FTS) Criteria Eligible children within age limit who are full time students carrying a minimum of 12 hrs/credits or four academic courses per semester at a licensed and/or accredited institution of higher learning. Without FTS rider, dependent is still covered to maximum age limt as long as full time student usually up to the age of 23. If there is a rider purchased by the employer group, the age limit can be increased to sometimes 23 or so!
10 :
look in your blue shield policy threes the answer . if you dint have a policy ask your parents to write to them and get you a copy of there policy for what are you be insured for

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