griffinej5
Posted : 6/27/2006 10:26:15 AM
ORIGINAL: glenmar
Yes, Jen you ARE supposed to be doing this stuff NOW.
I'm stretching the memory a bit, but I *think* federal law requires that you be allowed to be covered on your parents policy until you are 24 so long as you are a full time student. And typically, if you have been INSURED with the existing condition, and I'm thinking within 90 days of seeking new coverage, the new insurance WILL cover it. I could be wrong...has happened before......
Glenda, I don't think that's how it works, because my sister just got dropped from our parents' coverage about a week ago. She turned 22 on May 18th. They continued covering her for 30 days after her birthday, and that's it. However, she also graduated on May 18th, so maybe that is why she got dropped, although I don't know how the insurance company would know she was going to graduate.
And while yes, I would be able to get private coverage, it will be ridiculously expensive if I have any pre-existing conditions. I know so because this was another issue my sister faced. She has a history of kidney stones, and had surgery for some a few years ago. There was some complication from that, which required about another week in the hospital and another surgery late last year. So now, her monthly insurance dues are astronomical, and she doesn't really have much coverage. Luckily for her, she should be starting her new job pretty soon, and she'll be able to pick up that coverage. I won't be so lucky in that respect.
And, for the record, i'd have to get pretty d@mn desperate before going to a planned parenthood, as giving even a cent to such an organization would be quite a compromise of my morals.