Question regarding being covered by my parents medical insurance?

Question

So I've done my research, and found out that at age 18, I am dropped by my parents medical insurance, unless I am a full time student. I am currently 18 years of age, and am not a full time student, I am not even going to school right now. But I desperately need some dental work done, and I am curious to how the dental coverage works during the summer. Will I be covered in the summer if I take a few classes? Obviously I wouldn't take 12 units, since the summer semester is shorter. Or would I have to wait all the way until Fall, to take 12 units in school, and then have my dental work done? And possibly, could I just fake a schedule of classes I am taking at college and send it the people for the medical insurance? Any advice is needed, thank you.

Answer 1

I believe that the definition of "full time student" is the same for insurance purposes as for tax purposes.  Read it on the IRS website, http://www.irs.gov.

Answer 2

You don't have to wait to get your dental work done. In fact, you might want to check into what sort of coverage you would have in regards to dental even if you were to go through all of that just to be insured.

I found out about this discount health plan, Ameriplan, almost 2 years ago. And since then have been a member, as well as having many of my friends and family use the plan as well. My cousin was faced with this same issue last year and after researching her options in regards to insurance and the Ameriplan dental plan, it was a better option to go with the Ameriplan option than with my aunts insurance.

You can take a look at http://www.mybenefitsplus.com/40398854

Hopefully this can help you out as well!

Answer 3

Almost all dental insurance only covers cleanings for the first 6 months. They do this because everyone tries to get dental insurance when they need the work done, this is like buying car insurance after you wrecked your car.

Then after 6 months they usually cover small things like fillings.

Then after 18 months they start to cover large things like surgery and root canals.

Answer 4

Check with your parents' insurance agent to see how best to handle the situation.  I warn you that it's unlikely that there will be a way to get the dental issues covered, since they're pre-existing.  It's also a really bad idea to lie by making up a fake schedule or anything of the sort.  That's insurance fraud, and it's a felony in most states.