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Old 03-11-2010, 08:13 AM
Location: DC
3,269 posts, read 10,230,776 times
Reputation: 1258


It depends. My parents' coverage covered me until I was either not in school full-time or 24. I remember having to send them a form confirming that I was a full-time student. There was a grace period of 6 months after I graduated before I would have been dropped.
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Old 03-11-2010, 12:52 PM
Location: San Jose, CA
1,318 posts, read 2,903,922 times
Reputation: 754
I think it depends on the insurance. My parents insurance covered me whenever I was a full-time student under the age of 25. There were 2 breaks in that situation until I turned 25, the first one I was covered by my employer's insurance. The second time I got insurance with a $2000 deductible for $67/mo, I was 23/24 at the time. After I turned 25 I got insurance though the university I was getting my Masters at for $560/quarter, and then I graduated and got a job with my own health benefits.

Usually people in their early 20s are in a lower cost category than that of a general pool like a company so getting COBRA for them is usually more expensive than getting insurance on their own. Particular health conditions, and prescription costs would change that.
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Old 03-12-2010, 08:10 AM
18 posts, read 43,309 times
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Huh? Your tax dollars wouldn't pay for this. Where would you get that idea? Extending dependent coverage for adult children until age 26 or 27 means they would continued to be covered under the parent's existing plan. The parents would continue to pay the family premium, as usual.

You wouldn't be asked to kick in anything.

Originally Posted by Denton56 View Post
We used an inexpensive plan through the college. It covered all the big stuff, which was all we needed since young people rarely see a doctor. If he needed to see a doctor it was cheaper to pay for it rather than $500 a month! $6,000 pays for a lot of doctor's visits and medication, far more than our kids ever needed. If he had an accident, or needed surgery, the cheap policy covered it. Medicaid is also an option for those with no assets, taxpayers then pay the bills for college kids. I know one who racked up over $2 million in a very bad accident. ALL paid for by the taxpayers of Texas because he couldn't be bothered with having insurance deducted from his paycheck. He wanted a new truck instead.

I have no desire to pay for insurance for other people's kids who are in college, so I don't support extending the age and sticking the taxpayers with the bill. Let parents pay for their own kids! Or let the kids pay it!

The health care bill make ALL of us pay more for insurance, AND get less coverage. No thanks!
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Old 03-12-2010, 10:31 AM
226 posts, read 658,264 times
Reputation: 86
PMcMscot - I agree with you in stating that parents will continue to pay premiums for family coverage even after a dependent is dropped from their policy after age 22. My husband and I made the decision to get the federal employee TCC BC/BS policy for our daughter due to a medical condition that she has received treatment for since she was very young -an autoimmune inner ear disorder. She is very stable in her condition right now and isn't needing specialized care. The type/cost of a policy that a parent decides to purchase for their college age son/daughter depends on many factors and whether you are willing to take the risk if a serious illness/accident occurs. We personally did not want to take that risk when it came to our daughter's medical care. Some inexpensive policies have high deductibles and pay less for care so you have to be very careful in your selection. Yes, most college students are healthy and require little medical care - that is why it won't cost a lot to extend dependent benefits to young adults under their parents current family policies until the age of 25. My husband and I are not looking for the government to pay for our daughter's policy. We would NOT have a problem to have our current BC/BS monthly policy cost increased for our daughter to be able to stay on our policy until she finishes college and gets gainfully employed and can purchase her own medical insurance. Yes, the $549 a month is a lot and anything less for us to pay would be helpful.

I personally feel young adult college kids are our countries future. We should reach out a hand to help them get through college in any way we can. They are trying to be/become productive citizens in our society and many will give back when they graduate from college. Take for instance, my daughter is majoring in Social Work. She has continually done volunteer work in the community since middle school and every Spring Break while attending college has participated in Alternative Break Trips to help the less fortunate. My husband and I have no problem helping her or other young adults in anyway we can. We are very proud of our daughters continued efforts and the caring person that she has become. With the economy in the state that it is, jobs scare, tuition costs going up, surely we as a society can offer help to our responsible young adults by providing the safety net of extended dependent medical coverage benefits until things improve and they can get insurance coverage on their own.

Last edited by LVMYDACH; 03-12-2010 at 11:15 AM..
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