to Health Insurance for College Students".
We have been paying premiums for the family
for 22 years and this just couldn't be true.
I contacted my insurance carrier, the New Hampshire
Insurance Department and was told it does not
matter that her illness is going to keep her
out of school. She is not a full-time student;
end of discussion.
I contacted the social security office, sent
letters to my state Representatives and Senators,
my congressional delegation in Washington, and
the Governor, as well as many of the presidential
candidates. I knew that something had to be
done. If our daughter was still in high school
there would be no questions.
I currently pay $290.14 (20%) per month for
the family plan insurance. My employer pays
the other 80%. With the additional premium for
COBRA and co-pays our total cost for insurance
would have been at least $1,000 per month. We
could have paid a monthly premium for her to
be covered in the New Hampshire High Risk Health
Insurance Program (approximately $150/month)
but the coverage had big co-pay and lots of
restrictions. Unfortunately, she did not qualify
This just made no sense; she was covered under
the policy and a premium is paid for her every
month. This seemed like a penalty or punishment
for becoming seriously ill or injured as a full-time
college student. As parents we should have been
focusing on getting her the care she needed
and getting her well, now why or how was she
going to have to covered under COBRA.