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Question:

From Houston, Texas, USA:

Two years ago our 22 year old daughter was diagnosed with diabetes (Type 1). She is a full time college student living at home with us and completely dependent on us for support. So far she has been considered a "brittle" diabetic. She is about to turn 23 and my husband's health insurance has notified us that her coverage will be discontinued on her next birthday. She will finish her nursing degree a year from May. Do you know of any way that the insurance company can be forced to cover her until she graduates in May 2000? Are there any provisions for this in the Americans With Disabilities Act? A friend said that she was able to get her insurance company to continue coverage on her son for the remainder of the calendar year that he was to be discontinued. Even that would help. Paying for books, tuition, and all of my daughter's diabetes related expenses will be devastating to us. What can we do?

Answer:

Call your insurance company and ask about COBRA coverage. It is temporary insurance that continues your present policy for 6-18 months. You have to pay for it, but it is usually cheaper than purchasing a separate policy on your own. Also get a copy of your husband's insurance plan and make sure your daughter won't be covered as long as she is a full time student.

If none of these suggestions help, contact the school and see if they have less expensive insurance for their students. Alternatively, if you have to pay for insurance, contact the financial aid department at the school and see if they can help you either with some more financial aid or a loan.

TGL

Additional comments from The Editor:

Contact her university. Many offer group health insurance policies to students.

JSH

Original posting 6 Feb 1999
Posted to Social Issues: Insurance/Costs

  
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Last Updated: Tuesday April 06, 2010 15:09:02
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