“Your state may have different rules, but I doubt it.
1. If he has group insurance (not student accident) he needs to get a Certificate of Prior Coverage from the schools carrier.
2. Present that COPC to the proposed carrier and as long as there has not been a break of 63+ days, they have to provide coverage under HIPAA.
I suspect that they were not covered under a HIPAA qualified health plan in college, or that they were offered coverage from the new carrier, but it was simply too expensive.”

I hope this helps. I am going to put it in a comment section of your own blog since I couldn’t find an email address. Sue G

I am lucky enough to be insured under my mom until I’m 26. But my boyfriend? Is not. He has no insurance, and his health problems are increasingly getting worse. I might complain a lot about my health problems, but at least I can see a doctor or visit the ER without fearing the financial consequences. Yes, copays are sucky sometimes, but they’re better than thousands of dollars.

We can only hope that by the government getting involved, there won’t be any abuse. But I truly think that it will help, if at least a little.

I’ve called and called to get quotes to buy insurance for him…no deal.

(Thus I’m questioning the statement that you can’t be turned down if you don’t let your present policy lapse.)

It’s so close to becoming a joke in this house…how many times can insurance agents tell you that your son isn’t qualified to buy insurance?

The people that need it the most are the people that are least likely to have it.

I never thought that I’d have to worry about things like this-now the words pre-existing condition chill me to the bone.

That said, I DO believe we need reform. I happen to have excellent medical benefits and still have ridiculous medical debt because apparently have five primary cancers in six years is expensive.

I DO have the risk of being dropped because I’m too expensive or being denied coverage because of pre-existing conditions (BTW, my brother, an insurance guru, says that you cannot be denied for pre-existing conditions when you change policies if you do not let coverage lapse for more than 63 days).

So, I can and do relate.

I just hope the potential “kinks” in the system can be worked out.

And, it will make me very happy to know that you can and will get the medical care you deserve, along with many thousands of others who need it.

No family should lose everything they have trying to save a life.

you should be focused on your health and receiving the proper health care, not how much it costs.

huggsssss

I got sick last summer and considered going to the ER instead of urgent because although the ER was more expensive my incomelessness would have given me a write off. Urgent care cost $200 and then tried to prescribe me a $90 antibiotic.

Two years ago, my dad was diagnosed with cancer. He’s supposed to have a PET scan every year. Because of his preexisting condition is in uninsurable. And hasn’t built up his income to pre-2008 levels yet. If he relapses and it’s not caught due to health insurance our family will fall apart.