Comment posted Why was my health insurance terminated when I am 20 and fulltime college student? by sallyaboulter.
not sure perhps 20 ther cutoff point get profesional advise
sallyaboulter also commented
- It doesn’t matter what your grades are – just that you are enrolled for full time status.
I can see 2 scenarios happening here –
1) They just didn’t get the info. When you sent it in, did you include something referencing you as a dependent on your mom’s policy? If the document only had your name on it, they may not have been able to identify what policy it went with and thus weren’t able to process it correctly. (Note to everyone – include the policy ID number and the name of the insured individual on ANY documents you send to your insurance company. It will be extremely helpful in making sure your document is processed correctly.)
2) Is the school you’re attending accredited? Sometimes there’s a clause that you have to be attending an accredited university, so if a person were attending a technical school, beauty school, etc. full time it wouldn’t count.
I suspect in your case that #1 occurred, and you should be able to get this resolved on Monday.
Also, you can make the call yourself – anyone on a medical policy can make calls and discuss their own information, it doesn’t only have to be the cardholder. (Sure, if you had never been on the policy at all, your mom would have to make the call. But you can call to discuss your own personal information, which includes full time student documentation.)
- The only way you’ll know for sure is when you speak with them on Monday. Just explain to them what you explained to us. Your mother should be the one to call since it’s her policy not yours, there’s a good chance that they won’t speak to you since you are not the primary policy holder. As you said full time students are covered, 12 units is not full time that might be their reason for terminating your policy. But you won’t know their reason until you’ve spoken to them. Usually once terminated they might not put you back on again without a premium.
- 19 is the usual cut off. Also, they may not see 12 units as full time, as that is a very light load and most colleges would not even accept you as a student with only a couple of classes.
- This varies from policy to policy. Some cut off at 19, some at 24/25.
Health insurance costs are rising dramatically. Far outpacing our wages and far outpacing any increase in company profits. One of the only ways to still offer insurance at all is to cut the benefits. The policy for my company has nearly tripled in less than 10 years. Our employees pay 20% of the cost AND 100% of the extra cost for spouse/kids. The coverage ends at 19 for dependents. We had no choice, it was either accept it, pay it, or we would cancel it all together.
I would imagine that your mom’s policy has changed. As the policy is actually your mother’s she is the one that needs to call.
Sorry
- Contact them by phone and ask fo an explanation or write to them again.
Recent comments by sallyaboulter
- Why are certain credit cards that I have had not showing up on my credit report?
Your agreement with the credit card company has absolutely nothing to do with your credit report. Of course you still owe the money!Have you checked all three credit bureaus? Sometimes a creditor only reports to one. Some creditors don’t bother to report till you default. There’s no requirement for creditors to report good payment history.
You can have the two cards added to your report. The credit bureau will charge you. Check here: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm
- How Much Cheaper Are Loans And Mortgages For Bank Employees?
Bank employees definitely get a discount. Here in South Africa our interest rates at 10.5% and our banking staff, depending on which bank, gets up to 3% discount off prime. So I would suggest finding out from your human resources or personnel office what they offer. You won’t get a discount on the car but you should get a discount on the financing. - How Much Cheaper Are Loans And Mortgages For Bank Employees?
Rates are the same, but in some banks ( not sure about Barclays) employees get a price break on closing costs, like low or no Processing fees, low or no Underwriting fees…. but thats about it. - How Much Cheaper Are Loans And Mortgages For Bank Employees?
Neither. A bank employee wouldn’t be supplied with a car unless they are an higher ranking executive just like at any corporation.
Certainly they don’t get a 10% discount – they pay the same rates as everyone else. - Why are certain credit cards that I have had not showing up on my credit report?
Well, both should still be because one you just pay off last year, that should be on your credit report till 2012, and the one that you are still paying. I hope you are paying on time…because you should request them to report to the three credit card agencies. (this is the only reason that I can think of that they are not on your credit report). Yes, you are still responsible for this one you are still paying. Just because..you did spend the money, and I am very sure for definitely that this credit card company will report you to three credit agencies one you are late on your payment, which will ruin your credit score. So keep paying on time and request them to report to the credit agencies. Because that will only help you with your credit score due to your debt ratio is lowered, paying on time, and longer credit history. So to take action to request them to report to the credit agencies.
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