Question:
How will this affect my health insurance plan? How will the insurance know I am married? If I don't change my name right away will I still be insured? Okay here is the deal. I am under my mother's insurance plan and in order for me to stay covered by her insurance I have to be a full-time student. Which I currently am. I am having some concerns now that I am getting married next month. Will I still be able to be on my mother's insurance or will they give me the boot as soon as they find out I am married and no longer living at home? What if I continue to be a full-time student, Will I still have the advantage of being insured? My mom's insurance plan will give me insurance until I am 24 as long as I am in school and in the end of Jan 08 I will be 24 but by then my insurance at my job will kick in eventually. If you have any info or advice I would appreciate it. I plan to call my insurance and ask anyway just to double check.
Thanks in advance :)
Answer:
Check your mom's policy and look for the definition of a "dependent". Sometimes, they specify "unmarried dependent" or sometimes not. You might be able to find it on the web if your mom's coverage is avail online. If you meet the definition of a full time student and dependent, then you can stay on your mother's coverage. If not, then you are no longer covered.
If you no longer meet the definition of a student dependent, you fail to notify the insurance company and they continue to pay claims, you run the risk of having the issue discovered (student status is randomly audited, typically) and the insurance company demanding repayment of any claims made.
Unless you use your maiden name for doctor visits and hospital stays, the insurance company will discover the discrepancy the moment your doctor files a claim using your new name.
I am almost certain you will have to remain unmarried to remain on you mother's insurance plan even though you will still be in college. Some plans are different, but most follow this rule. It may be hard for insurance companies to find out those who get married though.
I would still call like you plan to double check. If you want to get married badly, you may be able to apply for COBRA under your mother's plan, but that is really expensive.
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