College Student covered by Dad's Health Insurance?
370238
As far as I've seen, the student is always covered under a parents insurance until he finishes his schooling or turns 24.  The student must be an official resident of the household and a dependent of the parent.  If a student lives in temporary housing due to schooling, he is still considered a resident of the parents home.\n\nIt's possible the people at your father's new job did not understand the situation
98721
I am so sorry to hear of your father's diagnosis. All I can think of would be to possibly look into clinical trials where most if not all of the costs for treatment are covered. I wish you and your family well.....
846618
At 18 you are entitled to privacy; however, you may not get it.  Most high schools allow parents access to most if not all their children's records.  If you are on your parent's insurance policy and try to use it, they will have access to some of your information and your family doctor may unintentionally share information with your parents.  Contact your local health department office (If your phone book has blue pages, that's where to look), explain what you need, and ask for assistance.  They will be able to guide you in the right direction.  Don't give up until you find a confidential counselor who will be governed by what is in your best interest.   Good Luck.
922617
It depends.  Are they HMO or PPO?  If both PPO or one PPO and one HMO, yes you can use them both.  If both HMO however, it doesn't do you a bit of good.\nI have 3 insurances on my daughter for dental.  Her dad has a PPO for her which covers most of it, and my HMO pays a bit more of what the PPO didn't.  My 3rd insurance was free, but also an HMO so it doesn't pay anything else.\nIf your cost for the insurance or very low (under $10 a month) for having the second insurance, you will probably save some money.\nSee what each covers, what they each pay for say a filling, and you can see what you would save.\nAlso consider if you really NEED 2 insurances.  I only did it because I am covering orthodontics on my daughter which would have cost $800 after the PPO paid it's share, but now only costing $100 with the second coverage and I only pay $120 a year (or about $240 for the 2 years she will have braces) so I'm still saving about $450.00 total.
586987
If you can afford it, you might want to seek some legal advice right now, just to explore your options.  If they tell you that there may be no good way to obtain money from your son, you might want to speak to him to find out what his intentions are.\n\nAs far as Financial Aid: the federal methodology used to calculate your grand-daughter's EFC (i.e. her ability to pay for college) *requires* that she include parental income/asset information on the FAFSA.  The student who does not provide this information will be denied aid until the issue is resolved.  If your son leaves her with you, your information can't be used in the "parent" section unless you officially adopt her.  HOWEVER, she may be able to petition her school's Financial Aid Office to be considered independent, in which case parental information won't be required and she will probably be eligible for a good deal of financial aid.
918181
You would have to have your mother declared a dependant in order to access health care insurance.  I don't know what country that you live in but in the USA there is medacaid and if you live in Canada all her services would be covered anyway.
814888
Why are you bothering the insurance company about this?\n\nYou are Canadian, your health costs were covered, so you don't need the insurance involved unless you wanted semi or private hospital rooms...\n\nIf you want to sue the college you don't do it through your insurance company you do this through a lawyer.\n\nYour actions seem a little confusing to me...\n\nI also think you are trying to make a big deal of a fluke accident.  But if you've already came to some kind of an arrangement with your college...\n\nI broke my leg doing martial arts.  I "suffered" much, but it was a fluke accident.  I was off my feet for 20 weeks (no operation - tib and fib break) with another 6 weeks of physio before I was walking fine with a cane, then 4 more weeks of walking without a cane.  After a year I can finally run...
828426
I do not believe the ADA addresses health insurance.\n\nIf you applied to a private insurer, then they can deny any based on health history.  If it is a group insurance policy, but your son had no insurance upon application, they can deny him, but I believe there is a limit to the amount of time he would not  be covered for pre-existing conditions.\n\nWhy isn't he on medicaid? (or is it medicare, I can never remember).  Good luck
986184
First off, ask yourself what needs do you have?  Lets take each case, first your father is over 65, and he may or may not qualify to Parts a & b & d of medicare, check into this first.  Then depending where your father lives, (presuming he has Medicare) he can purchase a Medicare Supplement plan, or the more popular HMO Medicare plans.  I would suggest you contact medicare to find out if your father qualifies for medicare, and also ask what is available in your state for his options.  I could go on for hours about the differences on HMO and Supplemental plans- if you have more questions contact me.  Next, mom is 64, so when she turns 65 she will also be eligible for Medicare "again check with medicare" so her needs will be different than yours- it will depend on her health needs, what dr. she sees as far as the policy type I would recommend.  Last you and your wife, both of you are in the Child bearing years- so if you are thinking of having children in the future please make sure the policy you pick will cover maternity, many new plans do not cover maternity.  When looking for a Health Insurance plan, lots to consider:\na. Is your a Dr. a provider "PPO or HMO" this will dictate the type of plan to pick from.\nb. Do you want to prepay for services and pay a Copay for Services? (HMO, which are normally higher premiums, because a portion of your premiums is paid directly to the Dr. you pick)\nc. Would you willing to pay more out of pocket with copays, and co-insurance (normally a percentage of the negotiated rate varies between 10-40%) in order to select a wider number of physicians (PPO), most PPO have thousands of Drs to pick from.\nd. Premiums, Premiums, Premiums, set your monthly or yearly budget for healthcare costs.\ne. Gaining popularity in the health scene is "Health Strategies", normally this means HRA or HSA plans, or what I call a Self Funded type of plan, coupled with a High Deductible.  With this type of strategy the consumer "YOU" act like a health insurance company- you see health insurance companies re-insure, this means they take out policies with Lloyds of london and others to limit liability.  With this type of plan, you take on a high deductible and pay out toward this deductible during the year, put money aside "ex. HSA non taxable in most states" to save for your deductilble, health insurance co's call this "reserves" most have billions in reserves, so it is not hard to figure that the odds are on your side that you will "accumulate money".. remember the health insurance corps are not into it to loose money.  Smart consumers throughout America are switching to Consumer driven type plans, as HSA eligible plans.  I would suggest going to my website www.HSAInside.com or calling me direct for any questions.\n\nRudy Rivas, President\nwww.HSAInside.com
624810
THere's nothing much you can do. I would expain to them that your dad filed an extension and you don't have his taxes. I know FAFSA lets you file without taxes - you file your taxes as an estimation. Maybe you can see if the school will let you estimate the taxes for financial aid - and then when the actual taxes are filed, then give them those. Have you filed for FAFSA? I know the priority deadline was March 1 - but otherwise get it in by June 1 and you can still get money. Talk to the financial counselor at the school and just explain the situation to them and see if they have any ideas for you.\n\nGood luck!
69957
Sorry not enough info for an informed decision. Age, Dads business, type of study degree and how far are you? Are you the only help for dads business ect! Can you still help dad and do school? thats what I would try to do!\nGood luck!
765824
You could try getting a part time job or donating plasma (about $60/week for this through DCI biologicals). You could also apply for scholarships.  If you google scholarship search you will find hundreds of websites that let you search for scholarships based on criteria relevant to you, eg: GPA, volunteering, major, or heritage. There are also loans available through the government that have ridiculously low % rates.  Another perk with loans aimed at college kids is that you don't have to start paying them back until a certain number of months after you graduate. You could also try eating cheaper food.  I've found burritos at a grocery store me that are 4 for $1! :)  Ramen is also pretty inexpensive, but most people get tired of eating it after a while. Hope this helps and good luck!\nOh yeah, I just remembered something else!  If there are any sort of medical programs at your school, go look at the bulletin boards around where their classes are held.  There are always studies being done that pay you 10 - 20 dollars for an hour or two of your time.  The studies involve anything from filling out a survey to giving them blood to test for various antibodies.
210210
A number of companies will exclude pre-existing conditions for the first year and cover them after that.  The best thing to do is shop around.  Try Golden Rule.  They have a pretty good price.  Try getting a plan with a Health Savings Account attached.  Part of your money pays for the insurance and part goes into a cheking account that you can use to pay for any medical expenses.
376993
They have to pay an enourmous amount of Insurance to keep from being sued.  And I supose lawyers fees.  Also, they go to college for 8 years.  Can you imagine all the student loans they get and now have to pay off?
101672
This is terrible. I truly wish in the US you had universal health care coverage like other countries.\n\nAt this point, you might want to consider trying to publicize your case in the media. And also - someone has to talk to your Dad, and make him realize that, though we have a human need to place blame, we don't always have somebody we can blame. Given the close brush he had, he might be wise to focus on the more important things: no matter how bad the finances are, any day spent on this side of the dirt, is a good day. \n\nYou might also have him visit a bankruptcy specialist - I know that the Feds have made it nearly impossible to declare bankruptcy now, but there might be a loophole somewhere.
1170331
Sallie Mae, the school will handle it. Your son or daughter gets loans, grants, aid, work study in some combination. The loans are like 3 to 5% i think. You only pay them when he or she drops out or graduates.
189186
Most underwriters will want to see that your son is the one paying this policy.  It is typically a big red flag for a parent to be listed as payor on an adult child policy.