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Can my mother remove me from medical insurance?

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Can my mother remove me from medical insurance?

Postby elson » Mon Sep 19, 2011 6:06 am

My mother is a psycho and has stated that if I move out on "bad terms" she will remove me from medical insurance. I am almost 20 years old and I'm a student. How is it that she can remove me from health insurance when: 1. A new health care law has passed that allows students to stay under their parent's insurance until they're 26. 2. I'm under my DAD's family health care plan so doesn't he have to take me out (and I know he wouldn't do such a thing). And 3. just because I won't live with her and I want to move out - staying under the health insurance is considered a "privilege", which she probably means I should be working for it and get a job that has health coverage (and I do work) but I get paid with very little hours. I'm in the process of finding another job but I don't think it's fair for her to take me out of the plan. I'm a criminal justice major so I know once I graduate and get a career in law enforcement, I'll receive great benefits. But for now, can she take me out of the plan?
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Can my mother remove me from medical insurance?

Postby roe98 » Mon Sep 19, 2011 6:12 am

If you're covered under your dad's plan at his work, then he would need to be the one to talk to his HR to remove you from the policy. If your mom is so insistent about this, I would suggest preemptively talking to your dad about your reasoning for why he should keep you on. If they do take you off the health insurance, most schools offer a plan for their students, which you would have to pay for, but you could take out loans for that.
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Can my mother remove me from medical insurance?

Postby megedagik » Mon Sep 19, 2011 6:19 am

1) Yes, "allows," not demands.
2) No, your mother can't remove you from your father's policy, but your father could.
3) He can only do it during open enrollment.
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Can my mother remove me from medical insurance?

Postby clementius » Mon Sep 19, 2011 6:26 am

If you are covered under your father's insurance plan, then it's his option to continue coverage or drop you. Your quarrels with mom are irrelevant.
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Can my mother remove me from medical insurance?

Postby forester » Mon Sep 19, 2011 6:32 am

1. the law ALLOWS you to stay on but doesn't force your parents to keep you on.
2. Yes, he'll need to take you off and can only do it at open enrollment. Women sometimes have a way with men (especially psycho women) so don't think he'll never remove you from the policy.
And 3. You could inquire at your school or talk with a local agent to see what individual plans are available in your area. Some people are completely on their own at 20, going to school full time and holding down a full time job.
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Can my mother remove me from medical insurance?

Postby welborne2 » Mon Sep 19, 2011 6:41 am

1. It ALLOWS the "child" to stay on insurance - it doesn't REQUIRE the parent to continue to insure them and pay for it. Mom doesn't HAVE to keep you on the insurance. It's HER CHOICE.

2. Totally irrelevant to mom taking you off her insurance - except it means it doesn't MATTER if she does.

3. Yes. Being an adult, and having mommy provide for you, is a privilege - not a right. You're lucky mommy is providing for you. You don't have a RIGHT to DEMAND she provide for you - especially when you don't want to follow her house rules.

If you want to be a grownup, that means providing for YOURSELF. You don't get it both ways.
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