Re: Insurance after 18th bday

[Guest guest]

He can apply for SSI. He will get approve because your income don't

apply,only his if any.If he dont work still he'll get $$$ and medicaid. He will

go

through the hassel of not getting approve but always appeal and when he gets

approve he'll get all the $$$ from the first time he applied. On his 18th bd

take

him to apply.I have a friend and she never qualify because of income and when

her child became 18 she was approve for all the benefits.Good luck

Debbie 's mom 4 w/cf

[Guest guest]

First of all when you find out please share it with us. I heard SSI but its

very hard to get on so some try medicaid or medicare I always get them

confused.

If he is a student couldn't he stay on your insurance?

Try checking with your local Dept. of Health I believe that would be their

jurisdication. Also, try State Dept. of Insurance.

Rosemary in NY with 3 children (13, 11 and 7)

with CF. I have a dog named TOBI and have

coined the phrase " BREATHE DAMMIT "

[Guest guest]

Its Medicaid it goes by the adult child income not the parents.So thats why

it is easier to apply when they are 18.

Debbie

[Guest guest]

Do you have more than one plan with your employer? My employer has multiple

plans; two of them do not have a maximum limit per person.

_____

From: eddymidwest

Sent: Tuesday, January 13, 2004 12:28 PM

To: cfparents

Subject: Insurance after 18th bday

My son has CF and will turn 18 soon. He's covered by my insurance as

long as he's a full time student, but it won't be long before my

insurance max's out for him. Have any of you been through this and

have suggestions? Some suggestions are social security and ichips

(Illinois) both of which I have asked for further info. Any

suggestions and help is appreciated.

-------------------------------------------

The opinions and information exchanged on this list should IN NO WAY

be construed as medical advice.

PLEASE CONSULT YOUR PHYSICIAN BEFORE CHANGING ANY MEDICATIONS OR TREATMENTS.

------------------------------------

_____

[Guest guest]

Another option- and granted, this would be probably the final option-

would be for your son to start his own company. It is very inexpensive

to form an LLC (here in CO it's $50) and thanks to the laws passed by

Clinton (which include HIPAA), insurance companies MUST offer group

coverage to any company with at least 2 owners, partners, etc. Here in

CO you only need 1 person, so check your state law. Group coverage

means no pre-existing conditions. Also, the insurance company must

offer you the base rate for the first year- they can raise the rates

obscenely every year after that, but you can switch from group coverage

to group coverage each year thereafter or until he finds a job that

offers medical coverage.

Another option is that if he cannot work full-time- perhaps his

treatments or condition would preclude him from holding a full-time job-

the federal law also allows you to get a statement that he is " unable to

hold full-time employment. " I'm unsure of the exact terminology. But

in a nutshell, that would allow you to keep him on your insurance

indefinitely, regardless of his age or student status.

A lawyer from Houston gave a talk on these things at a local CF clinic-

she has CF.

Elias

Insurance after 18th bday

My son has CF and will turn 18 soon. He's covered by my insurance as

long as he's a full time student, but it won't be long before my

insurance max's out for him. Have any of you been through this and

have suggestions? Some suggestions are social security and ichips

(Illinois) both of which I have asked for further info. Any

suggestions and help is appreciated.

-------------------------------------------

The opinions and information exchanged on this list should IN NO WAY

be construed as medical advice.

PLEASE CONSULT YOUR PHYSICIAN BEFORE CHANGING ANY MEDICATIONS OR

TREATMENTS.

------------------------------------

_____

[Guest guest]

This is very interesting to know. Does it apply to all states?

Thanx,

> Another option- and granted, this would be probably the final

option-

> would be for your son to start his own company. It is very

inexpensive

> to form an LLC (here in CO it's $50) and thanks to the laws passed

by

> Clinton (which include HIPAA), insurance companies MUST offer group

> coverage to any company with at least 2 owners, partners, etc.

Here in

> CO you only need 1 person, so check your state law. Group coverage

> means no pre-existing conditions. Also, the insurance company must

> offer you the base rate for the first year- they can raise the

rates

> obscenely every year after that, but you can switch from group

coverage

> to group coverage each year thereafter or until he finds a job that

> offers medical coverage.

>

> Another option is that if he cannot work full-time- perhaps his

> treatments or condition would preclude him from holding a full-

time job-

> the federal law also allows you to get a statement that he

is " unable to

> hold full-time employment. " I'm unsure of the exact terminology.

But

> in a nutshell, that would allow you to keep him on your insurance

> indefinitely, regardless of his age or student status.

>

> A lawyer from Houston gave a talk on these things at a local CF

clinic-

> she has CF.

>

> Elias

>

> Insurance after 18th bday

>

>

> My son has CF and will turn 18 soon. He's covered by my insurance

as

> long as he's a full time student, but it won't be long before my

> insurance max's out for him. Have any of you been through this and

> have suggestions? Some suggestions are social security and ichips

> (Illinois) both of which I have asked for further info. Any

> suggestions and help is appreciated.

>

>

>

>

> -------------------------------------------

> The opinions and information exchanged on this list should IN NO

WAY

> be construed as medical advice.

>

> PLEASE CONSULT YOUR PHYSICIAN BEFORE CHANGING ANY MEDICATIONS OR

> TREATMENTS.

>

> ------------------------------------

>

>

>

>

> _____

>

>

[Guest guest]

The term is " DEPENDENT " of yours.

That lawyer is Beth Safain. She is the one who does the article in the

ROUNDTABLE newsletter. Beth has CF herself ( & her sister also.).She &

her husband both are attorneys.. He is in Federal law & she does workers

insurance. She speaks at many Ed days We all love her & her

presentations.

Her email is BethSafian@... .Her phone number is 1--I am

not sure if her 1- is still active or not-but try it first.

She will walk you thru any questions

to be sure you are covered.

Best wishes .Let us all know how it works out .we can all learn from

your experience too

LOVE & HUGS, GrandmomBEV

Insurance after 18th bday

My son has CF and will turn 18 soon. He's covered by my insurance as

long as he's a full time student, but it won't be long before my

insurance max's out for him. Have any of you been through this and

have suggestions? Some suggestions are social security and ichips

(Illinois) both of which I have asked for further info. Any

suggestions and help is appreciated.

-------------------------------------------

The opinions and information exchanged on this list should IN NO WAY

be construed as medical advice.

PLEASE CONSULT YOUR PHYSICIAN BEFORE CHANGING ANY MEDICATIONS OR

TREATMENTS.

------------------------------------

_____

[Guest guest]

Yes, it does. Since it's a federal law, it is applicable in all states.

Some states, like CO, for example, have even better laws- the one person

company that I mentioned. I believe CA is the same way. But the very

" worst " it could be would be a 2 person company.

Elias

Insurance after 18th bday

>

>

> My son has CF and will turn 18 soon. He's covered by my insurance

as

> long as he's a full time student, but it won't be long before my

> insurance max's out for him. Have any of you been through this and

> have suggestions? Some suggestions are social security and ichips

> (Illinois) both of which I have asked for further info. Any

> suggestions and help is appreciated.

>

>

>

>

> -------------------------------------------

> The opinions and information exchanged on this list should IN NO

WAY

> be construed as medical advice.

>

> PLEASE CONSULT YOUR PHYSICIAN BEFORE CHANGING ANY MEDICATIONS OR

> TREATMENTS.

>

> ------------------------------------

>

>

>

>

> _____

>

>

[Guest guest]

I am also from Illinois and am going through this situation with my

son. A little different since it is my ex-husband that has told me

that he is removing him from his insurance after his 18th b-day(in 6

weeks). I am seeing an attorney tomorrow reguarding the law on this

and I will let you know if I find out any information.

[Guest guest]

Oh, gosh... That's a shame that your insurance will soon max out. What's the

cap? Is it $1,000,000? Many companies have been

raising the cap to $2,000,000, though the university I used to work for held

their cap at $1,000,000 per person. We've been in tricky

situations too, but never the maxed out problem.

My son was covered all through college, even when I went on COBRA insurance

after moving to Chicago in August 2001. My

COBRA was due to end March 1, 2003, no big deal because I was beginning a new

job and it was way cheaper for me to drop

COBRA and go with my new employer. But that wouldn't help my son because he was

over age 21, and the Blue Cross/Blue Shield

plan with my new employer only covered college students through age 21 (jerks).

He graduated college in December 24, 2002, so theoretically he wouldn't have

been eligible to continue on my COBRA from

January - March 2003. Believe me, I was starting to panic; however, Beth Sufian

(God bless her!) told me that because he was OVER

age of 21 AND no longer a full time student, then he was eligible to continue

COBRA under his own name for an additional three more

years. So that's what we did -- put him with my former employer on the COBRA

plan. He carried COBRA from Jan. 2003 to August

2003, when he went full time with his employer and got on his own group plan.

If your son is 18 and able to go to school full time, then he should be able to

stay on your plan. I know you know this, the issue

seems to be that your insurance on him will soon max out, so expenses won't be

covered anymore. That's just unbelievably sucky.

(My vocabulary skills are in fine form today, aren't they?)

Do give Beth Sufian a call... she's incredibly good at what she does, and she'll

give you some options. I've met her in person at CFRI

conferences but I wasn't quite sure she remembered me until we spoke on the

phone about this same time last year.

Kim

Mom of (24 with cf) and (21 without)

> My son has CF and will turn 18 soon. He's covered by my insurance as

> long as he's a full time student, but it won't be long before my

> insurance max's out for him. Have any of you been through this and

> have suggestions? Some suggestions are social security and ichips

> (Illinois) both of which I have asked for further info. Any

> suggestions and help is appreciated.

[Guest guest]

In my state it considers the child, if medically needy, as a " household of

one, " and therefore the child has the possibility of getting Medicaid and/or SSI

as a child and/or Medicare if the child has a parent who is

deceased, or in some cases, a working parent, and a low income. None of this

makes any sense--but this IS California, where we can really confuse anything!

n Rojas

Re: Insurance after 18th bday

Its Medicaid it goes by the adult child income not the parents.So thats why

it is easier to apply when they are 18.

Debbie

[Guest guest]

As a student he can stay on the insurance but there is a maximum

payout per person - he's 3/4 there and the last year he has had a lot

of hospital time. I'll definitely post info as I get answers - this

was my first time on cfparents and everyone has been great!

> First of all when you find out please share it with us. I heard

SSI but its

> very hard to get on so some try medicaid or medicare I always get

them

> confused.

>

> If he is a student couldn't he stay on your insurance?

>

> Try checking with your local Dept. of Health I believe that would

be their

> jurisdication. Also, try State Dept. of Insurance.

>

> Rosemary in NY with 3 children (13, 11 and 7)

> with CF. I have a dog named TOBI and have

> coined the phrase " BREATHE DAMMIT "

>

>

>

[Guest guest]

Yes, the max is $1,000,000 with less than $300,000 left and extensive

medical the last three months, so it's shrinking as we type. It

sounds like a call to Beth Safain is in order.

> > My son has CF and will turn 18 soon. He's covered by my insurance

as

> > long as he's a full time student, but it won't be long before my

> > insurance max's out for him. Have any of you been through this

and

> > have suggestions? Some suggestions are social security and ichips

> > (Illinois) both of which I have asked for further info. Any

> > suggestions and help is appreciated.