Posted: Wed Jan 09, 2008 3:20 am Post subject: My son has missed a semester of school due to a surgery, can
He was in an automobile accident two years ago and has had many surgeries since. He recently missed this last semester ofhigh school due to a surgery. We were told the insurance can drop him if he does not re enroll soon....Please advise
Posted: Wed Jan 09, 2008 10:06 am Post subject: Pls explain..
Hi friend,
Quote:
He was in an automobile accident two years ago and has had many surgeries since.
Do you think that all these surgeries that you've mentioned over here would owe to that accident 2 years back ? Or is it that they may have resulted out of many circumstances ?
Pls explain..
MagnumKeegan _________________ Register Now to have your Insurance queries solved.
Posted: Wed Jan 09, 2008 10:21 am Post subject: Please clarify!
Hi there,
I presume that your friend doesn't have insurance right now & thats why the question of getting re-enrolled comes up!
If he is getting operated due to an injury that he suffered 2 years ago, then I have reasons to believe that he was not credited with the coverage right then due to any specific reasons. Or may be he didn't have insurance right at that point of time. You'd be the best person to clarify I guess.
T. Clergyman _________________ Register Now to have your Insurance queries solved.
Good morning shirazrose, and welcome to the community!
Quote:
We were told
By whome?
Quote:
the insurance
What 'type' of insurance are we talking about? Health? if so is this a group plan, that mom or dad have at their work? a private plan? How old is your boy? could be (and I'm betting) that he has to maintain ''full time student'' status to remain on your group policy...
Quote:
can drop him if he does not re enroll soon
could be...if the situation is what I've laid out.......Please provide us with more details and we will do our best to assist you, also please advise the state you are in. _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Posted: Wed Jan 09, 2008 12:49 pm Post subject: Insurance
NO the accident crushed his leg, and all the suregeries are to fix the damage. He does still have insurance but his supposed 89 days out of school is up next week. Can the state drop him from his dads insurance for unattendance?
Posted: Wed Jan 09, 2008 12:57 pm Post subject: insurance
My son is 18 and he has been recovering from the last surgery since Sept. By the time he was able to go back to school he had missed to much and the school suggested he withdrawl until next semester. He was going to take his GED and move on to college, but this 89 consecutive days out of school issue arose. I am just trying to find out if even though he missed school due to medical issues and is planning on taking his GED can the state actually drop him off his dad's group insurance?
I'm sorry you keep saying ''the state''...does that mean your son's father works for the state? Does dad have a health policy at work (health policy is what we are talking about right?), that mandates anyone over a certain age be a 'full time'' student? again, that sounds like what has happened...and again what state are you in? they are all different.....What insurance company is this? Blue cross, community health? what?
Have you contacted the carrier directly and ask if you have a docs letter stating that the boy could not attend school if this would in effect ''stay'' this 89 day thing? _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Just thought of something else you say he was in an auto accident that is what has caused his injury...Have you all settled his injury claim with them? Or was there no coverage available? _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Posted: Wed Jan 09, 2008 1:40 pm Post subject: insurance
There is still coverage for the accident,but his dad is telling us that there is a state law in Indiana that is going to make the carrier(Aetna) drop my son from his group plan if my son misses 89 consecutive days of school.
There is still coverage for the accident,but his dad is telling us that there is a state law in Indiana that is going to make the carrier(Aetna) drop my son from his group plan if my son misses 89 consecutive days of school.
I don't have time right now to check for you I'm already late for my ''real'' job...but here is what you need to do....you have a coverage/insurance card for you boy right? on the back or front of it should be some phone numbers....customer service or something....call them...explain the situation and see what you have to do to keep your boy on the policy....I think they will accept something from his doctor stating that he had to be out of school for 'x' amount of time....Your husband is correct (kind of) I'm not real sure that it's a state law, more like the state would allow it.....most health carriers will make you show that a dependent child over a certain age is maintaining ''full time student'' status...when our daughter was in college about once a year I had to send them proof of this so they wouldn't kick her off...(grade cards, schedules, tuition whatever I can't remember all the things that would serve as proof)...so this is highly likley, BUT in your case, I don't think there will be a problem 'staying' that 89 day thing....call Aetna, and see what they have to say....and let us know...when I get home tonight or tomorrow morning, I'll check the thread and see what you found out...and if need be will try and do some state of indiana research for you...or if you don't get the answers you want from Aetna (they don't say everything will be ok, just send this or that) then you might contact your states Dept of Ins...they all have web sites, with consumer information or advocate phone numbers...ok? I'll check back tonight...in meanwhile CALL ATENA! _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
He was in an automobile accident two years ago and has had many surgeries since. He recently missed this last semester ofhigh school due to a surgery. We were told the insurance can drop him if he does not re enroll soon....Please advise
Here's the deal. Indiana, like most states, has rules and laws that govern how long a dependent may remain insured on a group policy through their parent's group health insurance plan.
That is my assumption on what the OP queried. Indiana, like most other states, requires that a group health insurance plan or policy cover dependent children of the insured employee until that child reaches age 19. If the child is still dependent upon the support of the parent after age 19 as a full-time enrolled college student, the state rules mandate that the child be covered under the group plan normally until age 23, if still enrolled full-time and still dependent.
Special rules apply for continuation of coverage under the group plan for certain disabilities and persons with cognitive or other difficulties, such as for those considered to be incapable of sustaining emplloyment due to developmental or physical handicaps. Persons under this rule set can be covered past age 23 if circumstances meet state rules...
Typically, the insurer, through the state rules, has the ability to require proof of the above situation(s) within 31 days of the terminating event (such as the child reaching age 19) in order to continue the coverage past the limiting age. For disabilities, proof can again be asked for within 2 years of the originating approval, and then annually thereafter.
I would suggest going to the Indiana insurance home page, checking the laws and doing some research. There is more to this than can be taken care of through a post, and I encourage you to speak with the carrier that provides coverage on your child. Let them know of the situation and normally the carrier will provide you with the info necessary to continue coverage.
Please let us know if there is anything else that we may be able to help on.
Thanks for all your help I already had called Aetna and they said they have never heard of the 89 day stipulation, furthermore he is covered under this plan regardless of his school status. I also called the Attorney General's Insurance line and they said that it was up to the carrier not the state to decide. I did try and contact my son's dad to find out exactly where he got his information, however he appears to be unavailable.
If anyone has other names of websites that I can research that would be greatly appreciated!!!
i didn't go thru any of it but it looks like one of the better sites with tons of information...
i'm quite surprised that aetna said they hadn't heard of this! Becareful that they aren't sending their requests to your son's father rather than yourself, and you missing or not getting this request, and thus (as far as aetna is concerned) not responding to their request, then losing his coverage! _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Thanks a lot, those were great sites. I did review them, as well as call an agent. She asured me that there is no STATE law that governs any 89 day provision. I suppose state law overrides any other "rule", that may be imposed. Thanks again for all your help. If you hear of anything pertaining to this mysterious 89 day rule, please let me know.
Thanks again
