BCBS is forcing our college grad off Our Family Policy for 3 1/2 mos before adding him back again...

Our son graduates from college mid-May. As a fulltime student he has been covered by our family insurance policy.

We were notified yesterday that a letter would go out May 1st informing us that he would be dropped from our family coverage on May 31st(2 weeks after he graduates).

As I understand it, the provision in the new Healthcare Bill which allows kids to stay on their parents policy will become effective on or about September 1.

So we will have to sign him up separately for COBRA for 3 1/2 mos at significantly higher prorata rates. The other alternative of seeking an individual policy on the private market is not likely due to a pre-existing condition.

Think about the paperwork this is going to generate, and the deadlines that have to be met to remain insured without a gap --because if he drops through a crack and is uninsured for even one(1) day when we seek to add him back to the family policy he would have a one year waiting period for pre-existing conditions.

I know that the insurance company is in business to make money, but it seems like they are setting up these kids to make a mistake so that they can impose upon them the one year waiting period for pre-existing conditions.

school?

Summer graduate program? Just a thought for a work around till September

All depends on the school.... Some colleges let you take so many classes before having to enroll in a degree program.

The kid has a pre-existing condition. I have one too, and I am unemployed right now and I am scared to death to not have insurance. As long as you have insurance with no gaps, I will be covered at a new job with no waiting period. Insurance rules are complicated about that issue. I'm not sure when the "adults with pre-existing conditions" kicks in, I don't think until 2014.