| > | | | | Because my son is 19 years old, the receptionist at |
| My wife and I own a small business in Florida, and we | | | | each office wanted him to fill out the paperwork and |
| have to buy health insurance to cover our family. We | | | | give them his driver's license. When he moved into the |
| have four children, two sons and two daughters. Our | | | | apartment, he got a new license with his new address |
| one daughter has some developmental and health | | | | on it. The receptionists asked my son if he was |
| problems. Because of those problems she will always | | | | currently a student or would he be going to school |
| need some help or guidance throughout her life. | | | | starting in August or September. He told them no, but |
| Because we have a child with special needs, our | | | | he would be starting college in January. |
| insurance premiums costs are very high. In fact, you | | | | All of the bills for the doctor visits and tests were |
| could rent a one-bedroom apartment for less than we | | | | submitted to the insurance company. Every claim was |
| pay in monthly insurance premiums. My wife and I own | | | | denied; it was unbelievable! I knew our son wasn't too |
| a small business in Florida, and we have to buy health | | | | old to be covered by our insurance policy. Right after |
| insurance to cover our family. We have four children, | | | | he turned 19 he had an accident and ended up in the |
| two sons and two daughters. Our one daughter has | | | | emergency room. All we paid then was the deductible. |
| some developmental and health problems. Because of | | | | What made this claim different? |
| those problems she will always need some help or | | | | Apparently the difference is his status had changed. |
| guidance throughout her life. Because we have a child | | | | When we took him to the emergency room he still |
| with special needs, our insurance premiums costs are | | | | lived under our roof and we supported him. The issue |
| very high. In fact, you could rent a one-bedroom | | | | isn't that he no longer lives with us but that he lives |
| apartment for less than we pay in monthly insurance | | | | away from us and is not a student. In short, to be |
| premiums. | | | | covered under our insurance policy if he is not going to |
| When summer started my son and his friends got an | | | | school he has to be living in our home or he can have |
| apartment together. He didn't go to college right away | | | | his own place and be enrolled in college with at least 12 |
| after high school. Instead, he took a year off to earn | | | | credits a semester. Why didn't the insurance company |
| some money and will be starting college in January | | | | tell us this requirement? |
| 2010. Only a few weeks after he moved out of our | | | | Right now we are responsible for about $3,000 in bills |
| house, he became very ill and complained about | | | | for office visits and various tests. My insurance agent |
| serious pains in his side and stomach. When our family | | | | said that once my son starts school again and we can |
| doctor examined our son, he sent us to a specialist for | | | | show them a class schedule that proves he is taking |
| further examination. The specialist ran some tests and | | | | 12 credits per semester, we can add him back on our |
| did some blood work hoping to find the problem, but he | | | | health insurance policy. Until then if my son needs to |
| couldn't find anything wrong. He wants to run more | | | | see another doctor, we will have to pay all of the |
| tests. If he can't find anything at that time, he has | | | | costs out of our pocket. |
| another doctor he wants my son to see. | | | | |