Quote:
Originally Posted by AGDee
FULL TIME student, not just a student. I've had co-workers' whose kids dropped a class which put them below full time and the kid lost insurance for the rest of that year. We have to provide proof every term that the kid is enrolled full time. That eliminates the possibility of working part time and going to school part time too.
I believe I can only cover my kids through age 22 currently.
The coverage given by college health plans, in my experience, is pretty awful.
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I had a good experience with student health insurance; I do remember my parents filling out the waiver forms each year before I aged out, but now that can be done online in about 5 minutes so even that's not that big of a hassle.
At least at my graduate school, they had basic insurance (for relatively healthy people who needed an entry-level plan) and a comprehensive plan (for people with conditions that needed more attention), and neither of them were so expensive. Their deductibles were high, but that's based on the fact that graduate students tend to be a low-risk population. Even if I had found Columbia's insurance to be unaffordable, my undergrad's alumni association offered low-cost medical insurance for recent graduates. (Hell, my life and renter's insurance is through them now!)
My whole point wasn't to dissect all student health insurance plans, just to point out that
the age limit extension isn't all that groundbreaking since some form of it already applies in most states regardless of whether or not you're a full time student.
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