Insurance question

I believe that part of the healthcare reform initiative allows for children to be on your insurance to age 22, regardless of school hours. Please don't quote me; my youngest stayed on mine when she was in college full time but I seem to recall our HR person telling me that the school was no longer a requirement.

I'm assuming that it is your husband's company that is handling the insurance? If so, contact their HR/Benefits department and ask them to add your son back on the policy. I do know that sometimes there are specific time periods when changes can be made but I'm not sure if that would apply here.

My concern is that your son is really ill and it may take a couple of weeks to get everything settled. If you do call, clarify the date that the insurance is effective then take your son THAT DAY to have him seen.

Another option would be to talk to your medical provider business office and let them know what is going on. They may work with you to see your son and then bill the insurance when it becomes effective.

Not a problem. Good luck!

contact the plan administrator at your place of employement

The new age is 26. We got to add my daughter from Jan 1 until her birthday of last year. Everyone should have added their kids prior to Jan of 2012 (probably Oct 2011 paperwork). HR should have sent a letter about the new rules. Anybody with a kid under 26 should contact their HR today if they aren't covered under another plan regardless of school. It makes it easier to take a gap year now. I don't know if it will last because it is part of Obamacare and could go away, but you should all check it out.

edit this featured started Jan 2011