Hey guys i really need some help about health care insurance?

Question

ok i have been attending college for 2 1/2 years now...

i am 19 and i am about to turn 20

i dropped a class last semester which put me at 9 hours and less than full-time..

this semester i had some problems and had to drop another class so i am back at 9 hours but i have also alrady registered for 12 hours in the fall

i live with my parents and i am a dependent on their health-insurance. i just read the conditions of our insurance and found out that if i am less than full-time i would be inelligible for dependent health insurance status. my parents dont know i dropped a class this semester and would be extremely upset to find out about it. so here's my question

apparently when i submitted my proof of enrollment last winter i was listed as not being full-time but i was accepted anyways as a dependent and allowed to stay insured...

so since i once again withdrew from a class will they still let me stay a dependent? or will i not be allowed this time?

Answer 1

No idea.  

You'll have to wait and see.  They ALSO might have "let it slip" last time, and could delete you retroactive to when you didn't qualify - and bill your folks for any payouts they made while they thought you were covered.

Answer 2

You can avoid this situation by simply purchasing your own individual health insurance plan. The Blue Cross Blue Shield in your state is probably the least expensive and the best. Dropping you off the family plan once accepted on an individual plan, will lower your parents monthly premium. Possibly they will use this savings to help pay for your policy. It will be inexpensive. Premiums for young males are very low. You can keep the policy up to the age of 65, never having to worry about getting insurance again.

Also, if your parents have Blue Cross now, many Blue Cross Blue Shield companies have recently announced that dependents may stay on their parents policy up to the age of 65, and they do not need to be a full-time student.

Answer 3

Most insurance companies don't verify full-time student status until the dependent has a claim.  So, while your parent is paying premium for you, it is ultimately the insured's responsibility to notify the insurance company of the status change of the dependent.  

It would be more upsetting for your parents to find out you have no insurance in the midst of a major claim than it would be for them to find out you dropped classes.  

Go to the BCBS website and quote insurance for a temporary/short term policy.  That way you will have insurance until you return to a full time student status.

Even if you "slip" through the cracks which you very well could.  If something major happened chances are the insurance company would recheck your full-time student status, your claim would be denied and basically their is nothing you could do about it since the policy states that you must be a full time student at an accredited school, and like I mentioned above it is the insured's responsibility to notify the insurance company of a change in student status.

Go apply for a temporary policy, it would probably be less than $50 a month, to get you through the time of ineligibility.