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I'm 19 years old and for all intents and purposes on my own financially. I'm and independent student according to the FAFSA and get no support from my family. I go to college on scholarships and loans, I pay my other bills through my financial aid refund and a part-time job.
I don't really understand all the rules. I was covered under Medicaid up until age 18. Technically I'm supposed to be covered under my parent's policy until age 21 (I think?) by filling out some extra forms, but I've run into the whole "no-support" thing. I actually have no idea whether or not I'm covered by Medicaid at this moment.
I have to have insurance to continue to be enrolled in my university (there will be a verification at the beginning of fall semester next year) and there is no way in hell I can pay for insurance myself. Can I apply independently? Or would I only be able to be covered as part of a family policy.
If you are independent and low income you should be able to get very low or free premiums through either Medicare or a plan on the exchange in your state. Just because you can be on your parent's policy, doesn't mean you have to be on their policy. They could cover you up to age 26 but doesn't sound like that is going to happen.
You can be covered on parents policy up to age 26. You can go to https://www.healthcare.gov/ ( If it's live) and see what your options may be. If you currently have no coverage it would be a good idea to check with your parents about getting on their policy.
If you are in school, you are automatically covered under your parent's plan (provided your parents have an insurance plan) It is part of the Obama health care plan, and this part of it went into effect over 2 years ago. I am not 100% certain of this, but I do not think your parents have a say in your coverage.
In other words, if they have insurance, and for whatever reason they are not speaking to you, if you can obtain their insurance information, you should be able to get a card for yourself and use it.
If you don't have living parents, or if they are not legal citizens as an example, you should be eligible for Medicaid (unless you have a lot of assets). However, as of 2014, assets will not be looked at. Only income will be counted. Your legal aid for college could be counted as income though.
So if that is the case, and your part time job coupled with what legal aid you receive exceeds 133% of the poverty level (about $15,700 - depending on the state you reside in) then you would probably be eligible for a policy on the new exchange (Obamacare - effective Jan 1, 2014 - but enrollment starts now)
This could get you a basic policy with a large government subsidy paying easily 75% of the cost, and costing you as little as $45-$75 a month, depending on what plan you chose.
If the parent/policy does not apply to you, you can get your answer by going on the appropriate web site for the state you reside in and making an application on line.
You have to fill in all the numbers for income (check first on the legal aid as being counted as income. I am pretty sure it is.
Once you successfully complete the application it will tell you what you are illegible for. Google your State - ACA exchange enrollment to find where you need to go to enroll.
If you are in school, you are automatically covered under your parent's plan (provided your parents have an insurance plan) It is part of the Obama health care plan, and this part of it went into effect over 2 years ago. I am not 100% certain of this, but I do not think your parents have a say in your coverage.
In other words, if they have insurance, and for whatever reason they are not speaking to you, if you can obtain their insurance information, you should be able to get a card for yourself and use it.
If you don't have living parents, or if they are not legal citizens as an example, you should be eligible for Medicaid (unless you have a lot of assets). However, as of 2014, assets will not be looked at. Only income will be counted. Your legal aid for college could be counted as income though.
So if that is the case, and your part time job coupled with what legal aid you receive exceeds 133% of the poverty level (about $15,700 - depending on the state you reside in) then you would probably be eligible for a policy on the new exchange (Obamacare - effective Jan 1, 2014 - but enrollment starts now)
This could get you a basic policy with a large government subsidy paying easily 75% of the cost, and costing you as little as $45-$75 a month, depending on what plan you chose.
If the parent/policy does not apply to you, you can get your answer by going on the appropriate web site for the state you reside in and making an application on line.
You have to fill in all the numbers for income (check first on the legal aid as being counted as income. I am pretty sure it is.
Once you successfully complete the application it will tell you what you are illegible for. Google your State - ACA exchange enrollment to find where you need to go to enroll.
His parents do NOT have to cover him, the CAN cover him if they choose...if they start covering him it will certainly mess up his independent status and from what he says, not an option anyway. It's nearly impossible to get emancipated status for FAFSA these days so this isn't some minor problem with his parents so don't assume that his parents policy is an option.
You said you were covered by Medicaid until you were 18. Then you said you were on your parents insurance policy. Do they have a separate medical policy for you (not Medicaid)? If they do ask them if you are still covered and call the insurance company and check. If you were on Medicaid when you lived with them and that is what you are referring to as far as medical insurance, you would not be covered anymore when you are not living with them anymore and living on your own. That does not mean you would not qualify though. It all depends on your income and your assets. Go to your local Health and Welfare and find out if you are eligible.
Medicaid is for the physically and mentally handicapped and maybe for the elderly ill. You have to qualify. I know college students that work part-time to pay for their individual policy.
Medicaid is for the physically and mentally handicapped and maybe for the elderly ill. You have to qualify. I know college students that work part-time to pay for their individual policy.
This is not correct. Medicaid (depending on the state) is for anyone with income less than $11,400 to $15,700. However, that income could include the aide he/she is getting for school.
As of Jan 1, 2014, assets will not be counted to exclude low income people from obtaining Medicaid under the new ACA rules.
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