Is it true that once I turn 18 I won't be covered by my parents' health insurance?

Question

I am turning 18 in a few weeks, and I was wondering if I won't be covered anymore, I am currently a college student and I won't be able to afford insurance

Answer 1

So long as you're a full time college student dependent on them.

Insurance companies wont mess around, you must be a full time student, and they usually require a copy of your transcript every semester as proof.

But so long as you are, you're covered.

Answer 2

Once you're 18, your parents are no longer *legally* responsible to provide you with anything at all. If you're already covered under their medical insurance, though, it's possible they'll continue the coverage for you. If they don't want to, maybe you could offer to pay your share of the premiums. That would be a lot cheaper than trying to get your own individual coverage. (And contrary to what another poster here says, if you're a full time student, you certainly CAN be covered by your parents' insurance, even if you're over 18.) If they refuse to continue your coverage, you can probably buy the medical insurance offered by your school. It won't be the best coverage in the world, but it will be reasonably priced and will give you at least the basics. Also, if medical insurance is a requirement to attend the school, you might be able to roll the cost into your financial aid package. Sorry about your situation. Sounds like you're doing a good job coping with it. Stay strong.

Answer 3

Depending on the plan, it may or may not be true. Here's some possible senarios:
1. You might be covered until the end of the month after you turn 18, or the end of this year.
2. You might be covered until you're 19
3. You might be covered until you're 23 - as long as you provide documentation every semester that you're a full-time college student

Your parents need to call their plan and find out which case of the above applies to you specifically.

Answer 4

As long as you're a full time college student (12-18 units) your parents insurance should cover you until about 23-25. (this depends on the insurance company.) They will have to prove this every year at open enrollment.

Answer 5

In Arizona, Blue Cross Blue Shield recently changed the guidelines regarding dependents. A dependent may stay on the parents policy up to the age of 30, and they do not have to be a full-time student. One of the largest segments of society uninsured, 18-34 years of age, this underwriting policy change will hopefully address the issue to some degree.

Answer 6

Every insurance company is different. The easiest way to find out the correct answer is to call you parents insurance company and ask them.

Who put this idea in your head? Was it your parents or a friend? If it's your parents, they might be planning to drop you and just decided to tell you that it was because you're going to be 18.

Answer 7

Usually if you're a full time college student, you have until the age of 22 or 23.

Answer 8

Depending on your state. In Texas, it is 23. You should be ok for now. What you need to watch out for is after graduation, you may need to take out temporay health insurance until you find a job.

If you somehow are diagnosed with cancer, etc in the mean time or they can prove you had it without constant coverage for 60 to 90 days, you will be denied.

Answer 9

21 or 23 and full time student

Answer 10

no, its 24