pregnancy, student, dependant

[majdbbb]

What is the name of your state (only U.S. law)? pa

My college student daughter just found out she is expecting. She is covered under my group health insr through my work as a dependant college student.

Is she covered under my policy for her care?
I assume her child would not be as he/she would not be my dependant?
She hasnt sen a doctor yet, but would this be considered a pre-existing condition if she tried to pick up insur on her own?
Her boyfriend has no insurance? Will they bill him at all?

She had a serious car accident in the beginning of the year and my limits on my insurance are almost maxed out, What do I do?

This has been a BAD year, I would appreciate any advice...thank you

[CourtClerk]

Ask your adult daughter what her plans are to care for both herself and her future child since your insurance is just about maxed out.

In other words mom, make her responsible for HERSELF.

[majdbbb]

oh we have....and the answer I get is it will work out..I believe in tough love, but it is not just her now. Answers to my questions would ahve been more helpful than opinions....thanks

[IsabellaSoriano]

Originally Posted by majdbbb

oh we have....and the answer I get is it will work out..I believe in tough love, but it is not just her now. Answers to my questions would ahve been more helpful than opinions....thanks

daughter will have to get insurance for herself. somehow, someway. getting a job that carries insurance is more productive. and yes, they will still give her pre-natal care.

[TinkerBelleLuvr]

What did the insurance company say when you called them to ask?

[majdbbb]

Tried calling tonight when I came home from work, already at the end of their day...

She is a good student, and working as a massage therapist in 2 diff Chiropracters office while she is a full time student. She is not irrisponsible, however, her lack of judgement/planning? is obvious.

Her job does not lend itself to fulltime/benifits..but she does work and pays for most of her own schooling and expenses. She would have to get insurance on her own anyway. But she is covered as a full time student under my plan.

I guess I am looking for "expected" answers befre I call. I review my polcy and it does not go into this kind of depth. I was hoping for general advice as to whether or not we have another financial issue coming up before we get out from the other

thank you all, it is much appreciated

[TinkerBelleLuvr]

How old is the college student?

You would be looking for maternity benefits on the plan.

[majdbbb]

She is 20+ in her second year...

[ecmst12]

Your insurance will cover her for maternity the same as any other person on the plan would be covered. Since she won't be giving birth until next year, it will go on next year's limits. Incidentally, if you had higher limits on your PIP coverage, you wouldn't have to worry about your health insurance benefits getting maxed out!

The baby won't be covered unless MAYBE you would be caring for him/her as YOUR dependent and claiming it on your taxes, and even then it's not a sure thing. The best choice will probably be to get CHIP for the baby since she will be a student and unemployed, and it's more important that she finish school to provide a better future for her family later. As long as she maintains her student status as your insurance requires, you should be able to keep her on your policy until she finishes or exceeds the age limit.

[majdbbb]

Thank you. She at this time is NOT planning on stopping school. She is due December and my plan is through work so my limits are set and can not afford additional coverage right now.

I told her she had to get insurance in her name NOW so there is converage for ther child. I am glad to hear she will be coverd through mine. That is a releif. All the years of paying into insurance, this year it actually got used.

I think the insurance co is getting sick of talking to us, her accident was pretty abd and the bills from that are rolling in. There are a lot that are not accepting the insurance payment

Again, thank you

[TinkerBelleLuvr]

What ecmst12 said may or may not be true. I had coverage thru an employer that EXCLUDED maternity coverage. It was straight across - NO ONE had coverage. It's that they can't descriminate on some being covered, while others are not.

What does happen is that FAFSA will be affected. Since you daughter will have a dependent of her own, YOUR information won't be needed for the 2010/2011 school year.

As for the child, insurance may be available thru the state if mom is lower income.

[ecmst12]

What I said is that the plan she's on will cover her LIKE EVERYONE ELSE. If the plan covers maternity, then she's covered. It's not going to treat her differently because she's a dependent or a student.

She also doesn't need any coverage in her own name in order to get coverage for the baby through the state. She can stay on your plan and still get Chip. And any private plan she gets now won't cover the pregnancy.

How close to the maximum are you now? A routine, healthy pregnancy and childbirth is actually not that expensive, and at her age, she isn't likely to have any major complications - physically, she is in perfect condition to have a baby now.

[ecmst12]

Oh, and in PA, every child can get Chip, there is no income cap. The premiums are charged on a sliding scale, but I bet for a full time student, it will be free or very inexpensive. And I don't think they would take YOUR income into account at all.

[TinkerBelleLuvr]

Eligibility for the CHP program would be based on the parents' income (mom & dad), not grandparents.

My comment earlier is that FAFSA requirements change when the dependent now has a dependent of their own.

[lkc15507]

Look at your plan document. Many plans will specifically exclude pregnancy of a dependent daughter. Exclusions section. If not excluded then her care will likely be covered, however, as stated, coverage for her child will not under any plan I have ever encounterd. Best to you, lkc15507