My father's health insurance runs through Cigna and his company covers people through the age of 25 if they are full-time students. They only ask to see verification of your course schedule. Last year I faxed the coordinator my schedule and was approved but I dropped the courses. This year I plan on taking a full-time fall/winter term schedule but they need verification by tomorrow. Can I lie and give them my proposed schedule or does that cause harsh penalties?
2007-09-28 02:09:39 · 11 answers · asked by Kingofnaught 5 in Business & Finance ➔ Insurance
If and when the insurance company finds out that you weren't a full time student at that time, they will retroactively terminate you for the time period in which you weren't a student.
Any medical claims that were paid out for you during this time will be reimbursed. The medical providers will then come after you for the payments.
2007-09-28 17:32:20 · answer #1 · answered by sarah314 6 · 1⤊ 0⤋
I don't understand your question. If you dropped the classes last year, you have already lied...
If they're asking for verification right now, you will have to provide a class schedule of some sort... That includes your name, the schools name, the term you're enrolled for, and how many hours you'll be taking.
Whatever document you can provide, however tentative, is acceptable. When/if you drop, then you'd required to notify the plan administrator. (Which, in some cases is the employer) If the employer group or Cigna found you knowingly & maliciously kept the info from them, the could terminate the policy; which would include your parents & siblings. They could also make your dad pay back any medical claims they paid out for you.
2007-09-28 20:23:37 · answer #2 · answered by Custo 4 · 0⤊ 1⤋
Two words for you: insurance fraud.
Three more words: Can be prosecuted.
And before anyone says I'm wrong, think about it. You are lying to the insurance company by telling them you're a full time student when you're not. Look up the term for fraud. What you're doing is completely dishonest. You better hope nobody blows the whistle on you. Should someone drop a dime about it, not only will you be dropped off the plan faster than a hot potato, any payments made for any medical care you sought will be rescinded, and you will be held liable for that money. AND you can be prosecuted for fraud (I'm sure the insurance will want to make an example of you) and face either fines or jail time.
2007-09-29 16:35:07 · answer #3 · answered by zippythejessi 7 · 1⤊ 0⤋
Insurance fraud would not be a suggestion for you as the carriers validate the information on a random basis. I would suggest you notify the insurance company of the "qualifying event" (Loss of coverage) and roll into a cobra policy. This should be economical given your age.
You can then re-enter the policy on the second "Qualifying Event" when you go back to school and able to produce the documentation.
You have protection through the Health Insurance Portability Act.
2007-09-28 09:21:01 · answer #4 · answered by Dimples_in_NJ 3 · 2⤊ 0⤋
Hi,
Bad idea. If your fathers employer or Cigna finds out then you father could lose his job, Cigna would recoup any medical claims that were paid on your past claims. If you didnt' have any claims the past year then I would go ahead and do the current verification but if you change your mind and drop school then have your father report the status change.
2007-09-30 22:54:07 · answer #5 · answered by Superdave 2 · 0⤊ 0⤋
sure you can lie. But, once you are caught (and you will get caught), you will have to pay back every penny to the insurance company. You will be charged with insurance fraud and have a permanent record. Is it worth it?
get an individual policy to cover you for major expense and just pay for doc visits out of pocket (will probably be lower than what your dad pays in premium to have you on the policy). trust me - it is not worth it! You will regret this your whole life when you have a record and have a hard time getting a job after college
2007-09-28 12:43:00 · answer #6 · answered by selery222 4 · 3⤊ 0⤋
The reality is that you will simply be dropped if and when they find out. Chances are that nothing else will happen.
Look into getting your own policy so that you don't have to worry about these things, whether a student or not. Either have your existing coverage switched to your own policy and off your dad's, or buy your own, (fairly inexpensive with a high deductible.)
2007-09-28 11:04:52 · answer #7 · answered by Anonymous · 1⤊ 0⤋
They will sue your FATHER (not you) for the full premium OR any medical expenses they paid out.
That is also insurance fraud, and they also have the option of having your father criminally prosecuted.
Notice I said, "Your father" and not you, b/c he has to provide the information...do you want to see your Dad get in trouble over your laziness?
2007-09-28 09:16:58 · answer #8 · answered by Expert8675309 7 · 5⤊ 1⤋
1. lying is unlawful since u have to sign the document
2. if they find out after u put a claim in - ur goona pay it back
and they will drop u
3. in the future (after they drop u) u will be on the "list" of
people that will not get insurance in the future
4. continue to lie and hope Hillarycare will take care of u
in the future
2007-09-28 09:16:41 · answer #9 · answered by de viking 4 · 0⤊ 3⤋
At some point it will be discovered, and your dad or you will pay penalties, or be dropped.
2007-09-28 10:33:53 · answer #10 · answered by Mr. Prefect 6 · 0⤊ 0⤋