How do I go about getting health insurance under my parents if I am a full time student?
Question by Young man: How do I go about getting health insurance under my parents if I am a full time student?
I didn’t know that if I was a full time student, then I can still be under my parents health insurance. Does anyone know how I go about getting back on their plan? Any advice/tips are appreciated.
Best answer:
Answer by andrew S
witth obama’s new health care bill you can stay on till your 26
edit @ the thumbs down- Before you got kicked off when your 22 but starting this October they extended it till your 26. I would know because I just turned 22 in December
Know better? Leave your own answer in the comments!
Tags: about, full, getting, HEALTH, insurance, parents, student, time, under
December 12th, 2011 at 8:03 am
You ask your parent (the primary insured party). It’s up to them whether to carry you on the insurance or not.
December 12th, 2011 at 8:05 am
The only way that you get on their plan is to ask them to put you on their plan. You cannot put yourself on it. You have to have them do it for you.
December 12th, 2011 at 8:40 am
~~With the new reform it does not make any difference if you are a student or not, you are eligible to stay on their insurance with their permission until the age of 26 or you are employed by a business who offers a group plan.
Which ever parent covers you would need to speak to their HR dept or manager, They may have to wait until open enrollment to add you if you have not been on it. Their office can explain how it will work.~~
December 12th, 2011 at 8:45 am
The insured parent must ask to have you covered by their insurance. The insurance company will probably require proof that your are a full time student. The University Registrar can provide a letter (they do it all the time).
We just went through this with our 20 year old daughter.
December 12th, 2011 at 9:21 am
You need to talk to your parents and ask them about putting you back on their plan. Most companies only allow changes to health insurance during the open enrollment period held once a year. Health insurance is not free just because you are a student. The cost will be deducted from your parents paycheck if they agree to add you back on their plan. If the coverage is expensive you might offer to pay for it so that it is not a hardship for your parents.
December 12th, 2011 at 9:38 am
You don’t need to be a student. You just need to not have coverage at your employment available to you (that rule goes away in 2014), you need to be under 26 years old and they need to want to put you on. They don’t have to and just because they can doesn’t mean you should go on their plan.
December 12th, 2011 at 9:53 am
Your parents have to have coverage through their employer, and be willing to add you back to their policy during the next open enrollment, and pay for it.
You need to talk to mom and dad about this. They don’t HAVE to do it, if they don’t want to.
December 12th, 2011 at 10:11 am
this is not rocket science, dumbasss.
mommy and daddy call the nice insurance people and take care of it
December 12th, 2011 at 10:42 am
You do NOT have to be a full or part time or any kind of student under the new Obama law passed last year. However, your parents must agree to this and contact their insurer to add you to their policy. And that is good until you are 26 and only if you do not have group health insurance at work. You can get married and not live at home and keep the insurance. Here is the website to explain it. Keep in mind that insurance companies usually only add or drop people during their open enrollment period which could be in January or at the policy renewal date only.
http://www.healthcare.gov
click on young adult