General Question

blueknight73's avatar

Is my daughter still covered on my insurance? ( healthcare)

Asked by blueknight73 (2706points) May 8th, 2010

my daughter graduated from college today. if she were still a full time student she would be covered until she is 26. since she graduated today, is she off my insurance immediately? or do we have a grace period? we have humana insurance, and if it matters, we live in the states. thanks

Observing members: 0 Composing members: 0

13 Answers

Seaofclouds's avatar

Each insurance company is different and some things have changed with the Healthcare Bill. Best thing to do is call your insurance and ask when he coverage officially ends.

SamIAm's avatar

I agree with @Seaofclouds… but there should be a 6 month period, I’d think.

blueknight73's avatar

@Seaofclouds , i was kind of dreading calling because i dont want to hear that she is officially off…lol. i was hoping the new healthcare bill might help her. thanks

Seaofclouds's avatar

@blueknight73 Better to find out now that she’s off than later on when you get a huge bill…

chyna's avatar

A lot of times it is the end of the month in which the student graduates. Better to check to be sure.

Jeruba's avatar

Only your insurer or your insurance administrator can answer this question for you.

cheebdragon's avatar

She will be covered until her birthday…...or at least that’s how it is with Aetna…....either way, you will receive a letter in the mail telling you when her coverage is up. (probably about a month before its up, because insurance companys are special like that)~

lfino's avatar

If she’s on your insurance, you should be able to go online and check. That’s even easier and probably quicker than calling. If you don’t know the address online, check through your insurance stuff. You probably had to set up a password when you first signed up.

skfinkel's avatar

Wasn’t this one of the things changed by the new Health Care bill? I think she should be covered, but obviously, you need to check with your insurance co.

lfino's avatar

Questions About the Extension of Dependent Coverage to Age 26

tedd's avatar

Your daughter will be covered until her next birthday.

The healthcare law did include a clause that would allow her to stay on your insurance until the age of 26, however, that clause does not go into effect for some time, so I doubt it will apply.

iLove's avatar

It depends on the state. In Florida, dependents may be covered up to age 30 if fully dependent on the parent (and meeting other specific criteria) Usually there is an affidavit required, or they will automatically drop her from the plan at the end of the year in which she turns 25.

Definitely call your member services #, they will be able to direct you to how you can provide the proper information to keep her on the plan if she meets the over age dependent criteria.

perspicacious's avatar

The obvious answer is to call your insurance company to find out. With my plan, which is through my employer, she would be covered until the end of the month of her birthday.

Answer this question




to answer.

This question is in the General Section. Responses must be helpful and on-topic.

Your answer will be saved while you login or join.

Have a question? Ask Fluther!

What do you know more about?
Knowledge Networking @ Fluther