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angelcutie | I'm 23 and in college can I get on my mom's health insurance through her job with a pre existing condition |
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Princess Leia
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It depends on the policy....most policies allow dependents up until the age of 23, if they are full-time in college. Once the dependent is 23, coverage is discontinued.
Ask your mother to check what the policy at work is.
If she can still cover you, then she will have to wait until open enrollment to have you added to her policy.
In the meantime, see what type of medical services your college offers. I know when I went to college, it was part of the student services fees that I had to pay and that covered the university clinic (but nothing major). |
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sarah314
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Your mom will have to check with her employer to find out the criteria for an eligible dependent.
23 is a common cut off age where a child is no longer eligible to be on the policy, regardless of their student status. However, some employers do allow full time students to remain on policy up to 25. You have to find out what your mom's employer's criteria is.
Also, you may have to prove that you are financially dependent upon your mom for at least 50% of your support - either by showing that you live with her, are claimed as a dependent on her taxes, etc. (Again - exactly what you'll have to prove depends on how your mom's employer defines "dependent child." Her employer may not require any of the above info.)
The only way you can know for sure is to have your mom check! And she'll want to make sure to turn in the paperwork during open enrollment, if you qualify. |
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lunamiss
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As for pre-existing, it depends on the size of your mom's company and the nature of her employer's policy. Most large companies don't have a pre-existing waiting period. That is on a group-by-group basis. |
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richard t
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most do not allow pre existing stuff for a year after you sign up.........check with the company............. |
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Barry auh2o
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All policies are different. you would have to check with your mom's carrier. But many insurance policies will not let you add a dependent once the policy is issued. |
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Veritas et Aequitas ()
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Yes you can. If you are in school full-time some let you up to age 25. Your pre-existing condition shouldn't make a difference. It all depends on the company though so it never hurts to try. I qualified to be on my mother's insurance up to age 26 if in college FT. |
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mbrcatz
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Only during open enrollment - if you're a full time student, and her dependent - and the plan allows for someone your age to be added as a dependent.
In other words, she'll have to check with her HR department and ask them. |
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