Will I Stay Under Parent's Insurance?

[Restorer]

I'm currently under my mother's insurance as a disabled dependent (since I'm over 24), living at home. For various reasons, I would like to move in with friends. If I start paying rent (should be pretty affordable), SSI should pay me an extra $200 or so per month, so it won't be too much stress on my personal finances. I'm worried about whether Aetna will decide I'm not a dependent anymore.

Does anyone have any experience with this kind of thing? Will moving out affect my coverage?

[Chris]

Not really, I was dealing with it going to school and living on own trying to be on parents insurance. So if you do try, don't say you live at a different address, but that may not work these days when bills are submitted to them may show a different address than whats on file. I don't know but that is one thought I have.

[noahvale]

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[okarol]

I'm currently under my mother's insurance as a disabled dependent (since I'm over 24), living at home. For various reasons, I would like to move in with friends. If I start paying rent (should be pretty affordable), SSI should pay me an extra $200 or so per month, so it won't be too much stress on my personal finances. I'm worried about whether Aetna will decide I'm not a dependent anymore.

Does anyone have any experience with this kind of thing? Will moving out affect my coverage?

Jenna became disabled before turning 18 so she is on our family policy due to a provision in the policy (hidden deep in all the pages, it was not easy to find.) This can go on indefinitely as her ESRD will never be gone.

You can be covered until you're 26 under the recent insurance change, it doesn't matter if you're a student, living at home or even married! They just charge your family more.

[noahvale]

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[okarol]

Yes, that's accurate, they cannot charge MORE than any other dependent - but for adding a person on the policy - they have to charge the SAME as the others. That's the way I understand that FAQ, but I could be wrong!
http://ihatedialysis.com/forum/index.php?topic=20052.0 Recent news story

[rsudock]

Restorer you should be fine..think of all the college age kids who live in dorms or off campus...they are still on parents insurance and not living with them the majority of the time. When I moved out the first time I just kept my address on everything my mom's just to be safe.

xo,
R

[Restorer]

Until 26... okay, but that's only a few more months for me. My disability didn't start until I was 23, so I don't think I fit under any provision like Jenna.

rsudock, all of the college age kids are much younger than me and attending school full time, which insurance normally covers. I think my situation is different, depending on how "disabled dependent" is defined.

[rsudock]

hhmmmm so true. Can't you get on medicaid to cover the 20 percent that medicare doesn't cover?

xo,
R

[Restorer]

I'm on Medicaid (Medi-Cal), but I'm not on Medicare yet, since I've been covered by Aetna. I need to apply for Medicare soon, though, since my COB date is coming up. Though, I've been getting conflicting opinions about whether I actually qualify for Medicare or not. I know, the definitive answer comes from Social Security when I apply, but up to now it's been very confusing.

I'm on SSI but not SSD (haven't worked enough). Am I still eligible for Medicare? If I'm not, and I can't keep Aetna after I move, then I don't know what kind of coverage I'd have if I moved.