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crymsyneyez | Insurance after 19, Why am I no covered.? |
Im 19 and no going to school fulltime. I recently had some ortho work done but my insurance company declined so now im stuck paying full for the appointments.
Why do insurance companies require you to be in school full time if the coverage is being paid for!?
And since apparently i need it now, what are some good insurance policies that include dental/ortho |
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Faye H
|
Once you turn 18, you are legally an adult. Parents are allowed to keep their children on their medical insurance if they are still full time students in college because the children are presumably still Dependant on the parents. Most medical policies will allow a full time student to remain covered on a parents policy until age 23 - 25, depending on the insurance company or the plan the employer has.
They require it because after age 18, if you're not in school, you should be working and getting your own insurance.
Purchasing individual medical/dental insurance can be fairly expensive. If you are working, check and see if your employer has a medical plan you can get covered on. |
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Scott K
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The thought is that students are still dependent on their parents. If you are past the age of minority and not attending school, the insurance company feels that you are likely working and self-supporting and should have insurance through your own employer. |
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espressoaddict22
 |
Your parents have to go in and actually re-add you back on as a full time student it isn't automatic. |
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peilthetraveler
|
good luck trying to find a dental insurance company on your own. If they are good policies then you might have to wait 6 months to 2 years while paying them before you can use it. There are some insurances that you can use right away, but usually those are nothing more that referral services and you still end up paying thru the nose for work to be done. (Usually its something like if the dentist charges 800 for a crown, with the said insurance, you will pay 700 instead. |
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Sheree H
 |
Uggg...one of the downfalls with getting older!!
Check out this site for some help:
http://www.qualitymedicalcare.org
You can get a dental plan that will cover all of this for $11.95 a month. Make sure to check out the LOCATE A PROVIDER area to verify coverage in your area before you sign up!
Good luck! |
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Cindy Roo
 |
Welcome to the adults world!!! You are now considered an adult and the insurance companies now think you should either be paying for your own insurance coverage or your own bills. However, if you can show them proof that you are a full time student most of the time they will cover you. You need to check this out and enlist whoever the insured is to help you. |
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mbrcatz
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There aren't any private insurance policies that do orthodontics.
Insurance stops for adult children once they stop going to school full time - under the presumption that now they're ADULTS, and ACTING like adults, they can be RESPONSIBLE for themselves like adults. |
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kena2mi
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Because they can make more money selling two individual policies than a family policy. The same reason they refuse to offer domestic partner packages to all but the largest employers. |
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