#1
Okay, anyone who knows more about the recent health care reform could probably help me. I'm almost 19 and as some of you may know I recently got kicked out of my house. My parents said they're willing to keep my health insurance, and I have to take Lexapro for my depression, and that's mainly what I'm worried about.

I've found some things that say it will cover non-dependants under age 26 with the new reform, but that comes into law in January. So does that mean that I'm out of luck because of my position, or what?
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#2
Quote by tayroar
Okay, anyone who knows more about the recent health care reform could probably help me. I'm almost 19 and as some of you may know I recently got kicked out of my house. My parents said they're willing to keep my health insurance, and I have to take Lexapro for my depression, and that's mainly what I'm worried about.

I've found some things that say it will cover non-dependants under age 26 with the new reform, but that comes into law in January. So does that mean that I'm out of luck because of my position, or what?

What's the issue?
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#3
Quote by Jackal58
What's the issue?


Because right now the law hasn't come into effect, so the insurance company is dropping me, but it comes into effect in January. So i don't know what will happen.
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#5
Quote by tayroar
Because right now the law hasn't come into effect, so the insurance company is dropping me, but it comes into effect in January. So i don't know what will happen.

If your parents are keeping up your health insurance payments, why would the company be dropping you?
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#6
I don't even have health insurance so I have no idea. Come to think of it, if I were to get really sick or something, that would kind of suck.
#7
Quote by OddOneOut
If your parents are keeping up your health insurance payments, why would the company be dropping you?


Because I turn 19 in September, and currently they only have to keep students under 25, and I have no way to pay for college, and the new law doesn't come into effect until January, so I think I'm screwed by a technicality.
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#8
Quote by tayroar
Because I turn 19 in September, and currently they only have to keep students under 25, and I have no way to pay for college, and the new law doesn't come into effect until January, so I think I'm screwed by a technicality.



...but 19 is under 25 is it not?
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#9
Do we still have the option to choose not to have insurance or do they plan on forcing us to get it?
#10
Quote by Todd Hart
...but 19 is under 25 is it not?


The new law applies to ALL people under 26, but doesn't take effect until 2011. The current system only covers full time students under 25. If he can't pay to be a full time student, then he would get dropped from his parents' plan.

EDIT: TS, I actually had this same problem when I dropped out of college. My psychiatrist was able to appeal to the insurance, and get me listed as a disabled dependent (due to being treated for severe panic disorder) so they wouldn't drop me.

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Last edited by Das_Skittles at Aug 12, 2010,
#11
Quote by Todd Hart
...but 19 is under 25 is it not?


I'm not a student. Right now you have to be dependant (usually meaning to be a student) to be able to stay on your parents health insurance. With the Health Care Reform that was recently passed, you can be a 26 year old non dependant, and the health insurance has to cover you if your parents want you on their healthcare.

Also to the guy complaining about us being forced to have it, that's good for all of us, because uninsured patients is why healthcare is so rediculously overpriced. The hospitals push the cost that they can't pay onto the people with health insurance, which drives up the price of the insurance itself.

The socialized healthcare will also be cheaper in general because of the model that insurance follows. The more people that buy into an insurance company, the cheaper it is, because they spread that price among everyone who buys into it. If everyone bought the same insurance, then it'd be far cheaper.
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#12
Quote by tayroar
Also to the guy complaining about us being forced to have it, that's good for all of us, because uninsured patients is why healthcare is so rediculously overpriced. The hospitals push the cost that they can't pay onto the people with health insurance, which drives up the price of the insurance itself.

The socialized healthcare will also be cheaper in general because of the model that insurance follows. The more people that buy into an insurance company, the cheaper it is, because they spread that price among everyone who buys into it. If everyone bought the same insurance, then it'd be far cheaper.


Oh yes, garnishing wages for those who refuse to pay for it so some schmuck abusing the system gets it. That's a lovely idea because we all know the middle man means nothing in this country.

Peope should have a choice whether they want it themselves or not. Also, why the hell should I let them take a percentage of my income to some 20 some odd year old who doesn't have anything to show for his age some insurance?
Last edited by SadusAttack at Aug 12, 2010,
#13
^Can we not turn this into a debate thread? It will just end up closed.

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#14
Quote by SadusAttack
Oh yes, garnishing wages for those who refuse to pay for it so some schmuck abusing the system gets it. That's a lovely idea because we all know the middle man means nothing in this country.

Peope should have a choice whether they want it themselves or not. Also, why the hell should I let them take a percentage of my income to some 20 some odd year old who doesn't have anything to show for his age some insurance?

So many people bitch and complain about the health insurance the way it will be but it really isn't that big of a deal and it helps a lot of people out. A lot of the people who don't have health insurance could need it sometime and not even know it. It really is beneficial to everyone.
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#15
Quote by SadusAttack
Oh yes, garnishing wages for those who refuse to pay for it so some schmuck abusing the system gets it. That's a lovely idea because we all know the middle man means nothing in this country.

Peope should have a choice whether they want it themselves or not. Also, why the hell should I let them take a percentage of my income to some 20 some odd year old who doesn't have anything to show for his age some insurance?


You're aware we have to have car insurance for the same reason, right? Uninsured, you're a liability to everyone else.
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#16
Quote by tayroar
I'm not a student. Right now you have to be dependant (usually meaning to be a student) to be able to stay on your parents health insurance. With the Health Care Reform that was recently passed, you can be a 26 year old non dependant, and the health insurance has to cover you if your parents want you on their healthcare.

Also to the guy complaining about us being forced to have it, that's good for all of us, because uninsured patients is why healthcare is so rediculously overpriced. The hospitals push the cost that they can't pay onto the people with health insurance, which drives up the price of the insurance itself.

The socialized healthcare will also be cheaper in general because of the model that insurance follows. The more people that buy into an insurance company, the cheaper it is, because they spread that price among everyone who buys into it. If everyone bought the same insurance, then it'd be far cheaper.

1) It's not socialised.
2) It's not good for you all. Firstly there's no publi option and therefore no impetus to drive down costs in any significant way. Secondly it's not single payer, and anything less is pathetic in a first world country.
About the only good it did was stick some regulation on them so that they can't drop people with pre-existing conditions etc, but really it's a pathetic toothless bill that only really benefits the insurance companies.
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#17
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1) It's not socialised.
2) It's not good for you all. Firstly there's no publi option and therefore no impetus to drive down costs in any significant way. Secondly it's not single payer, and anything less is pathetic in a first world country.
About the only good it did was stick some regulation on them so that they can't drop people with pre-existing conditions etc, but really it's a pathetic toothless bill that only really benefits the insurance companies.


I know this bill isn't socialized, I was arguing for a socialized system. If it was socialized there wouldn't be a problem with my current situation, but if you're sure that the pre-existing condition thing is true, then I may follow the disabled dependant route, because I attempted suicide Freshman year, and figure that will help any appeal that I might have.
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