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  LiveWire / Teen Forums / Science & Business / Viewing Topic

I doubt any of you know this...but suprise me.
Replies: 15Last Post Nov. 18, 2008 6:01pm by Chiefette
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Right so I'm assuming that no one here is going to know anything about this but I have no idea where else I'm going to figure this out so....whatever.

If you're covered under your parents insurance plan and they randomly decide to drop you from it, what's the situation with any outstanding payments from while you were covered? Are you responsible since htey haven't been paid as of today?

If anyone has any clue, do share. Ill throw points or whatever your way. Seriously. Someone save me $2500.

Post edited at 5:46 pm on Nov. 18, 2008 by greatescape


5:45 pm on Nov. 18, 2008 | Joined: July 2007 | Days Active: 643
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If you are in college

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5:46 pm on Nov. 18, 2008 | Joined: Aug. 2005 | Days Active: 383
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TBMP


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are they still under the plan?

if so, it's on them to pay it. it's your issue if u can convince them not to make u give THEM the money

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5:47 pm on Nov. 18, 2008 | Joined: Sep. 2008 | Days Active: 260
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Chiefette


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Your parents will be responsible since it was their insurance plan.  They can try to fight it, but I doubt they would win.  If you were still under the age of 18, they would still be responsible for you.  Even if you were over the age of 18, they chose to leave you on the insurance plan, which shows an intent to cover your insurance bills.  Was there ever an agreement between you and your parents?  Did they ever tell you that you were responsible for the bills?  If the didn't, they are responsible for them.  
Atleast that is what I am pretty sure of, had a friend go through the same thing.

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5:48 pm on Nov. 18, 2008 | Joined: Sep. 2008 | Days Active: 264
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Discordany


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Are you in college, and have you opted out of your colleges plan?

I cant tell you the answer to your question, per se, but if you do end up being screwed over from it, you may be able to save a little bit through school coverage.


5:48 pm on Nov. 18, 2008 | Joined: Sep. 2005 | Days Active: 968
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Quote: from TBMP at 7:47 pm on Nov. 18, 2008

are they still under the plan?

if so, it's on them to pay it. it's your issue if u can convince them not to make u give THEM the money


Are you sure?

And yeah they're still under the plan.  I've just been convienently dropped.


5:48 pm on Nov. 18, 2008 | Joined: July 2007 | Days Active: 643
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Neodymie


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I'm pretty sure the insurance company will go after the policy holder. So your parents.


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5:48 pm on Nov. 18, 2008 | Joined: July 2008 | Days Active: 316
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sykexl

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Assuming you are in the US (I don't presume to know anything about foreign legal processes), you could sue for the money. You'd have to ask a lawyer for help in finding legal precedence

If the charges came from when you were still covered then yes, you have the right to expect them to be payed off. Again, I recommend talking to legal council. They'd be able to advise you far better then anyone here can. It shouldn't be to hard to find someone who will sit down and talk to you for free.

Post edited at 5:50 pm on Nov. 18, 2008 by sykexl


5:49 pm on Nov. 18, 2008 | Joined: April 2007 | Days Active: 53
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Quote: from Glory at 7:48 pm on Nov. 18, 2008

Your parents will be responsible since it was their insurance plan. They can try to fight it, but I doubt they would win. If you were still under the age of 18, they would still be responsible for you. Even if you were over the age of 18, they chose to leave you on the insurance plan, which shows an intent to cover your insurance bills. Was there ever an agreement between you and your parents? Did they ever tell you that you were responsible for the bills? If the didn't, they are responsible for them.
Atleast that is what I am pretty sure of, had a friend go through the same thing.

I'm over 18.  There probably was some agreement at some point but I no longer speak to the policy holder, which is basically why I'm being dropped.

So you're saying any past ones are their issue?  That would be awesome.


5:51 pm on Nov. 18, 2008 | Joined: July 2007 | Days Active: 643
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TBMP


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Quote: from greatescape11 at 5:48 pm on Nov. 18, 2008

Quote: from TBMP at 7:47 pm on Nov. 18, 2008

are they still under the plan?  

 if so, it's on them to pay it. it's your issue if u can convince them not to make u give THEM the money


Are you sure?

And yeah they're still under the plan. I've just been convienently dropped.


well how old are you?

im not sure if ur over 18 but if you're a minor it's completely on them

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5:52 pm on Nov. 18, 2008 | Joined: Sep. 2008 | Days Active: 260
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Quote: from sykexl at 7:49 pm on Nov. 18, 2008

you could sue for the money.

Oh that would be entertaining.........

thanks though.


5:52 pm on Nov. 18, 2008 | Joined: July 2007 | Days Active: 643
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If it was under their name, they are responsible for the payments.

If you mean whether the insurance covered past cases from when you were covered, then you would still be covered for the time that you were insured. I'd suggest getting in quick though, as many insurance companies have an XX days to claim policy.

If you mean a claim that you had made from before, that's trickier. I imagine it would depend. Since you were a person that was covered, then it makes sense that you are reimbursed accordingly. However, they may have a policy about paying the member, and not those that were covered. I imagine it would vary from company to company, so I'd check with them if possible.

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5:52 pm on Nov. 18, 2008 | Joined: June 2006 | Days Active: 400
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sykexl

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Quote: from greatescape11 at 5:52 pm on Nov. 18, 2008

Quote: from sykexl at 7:49 pm on Nov. 18, 2008

you could sue for the money.

Oh that would be entertaining.........

thanks though.


That's the only way you would possibly be able to get it unless you can actually convince your parents to pay for it, so yeah, it would be quite entertaining...Best of luck.

5:53 pm on Nov. 18, 2008 | Joined: April 2007 | Days Active: 53
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Livewire is suprisingly helpful tonight.
How exciting.

5:55 pm on Nov. 18, 2008 | Joined: July 2007 | Days Active: 643
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Quote: from greatescape11 at 12:55 pm on Nov. 19, 2008

Livewire is suprisingly helpful tonight.
How exciting.

You offered points (or whatever). Isn't it always when points (or whatever) are involved? Ok ok, maybe "whatever" doesn't work as well as points.

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5:57 pm on Nov. 18, 2008 | Joined: June 2006 | Days Active: 400
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