<p>In the PTR package there was an acknowledgement form that talked about having some insurance if some unforeseen circumstance caused separation.....please share any information about this and the cost, my parents are looking into it.</p>
<p>My employer (large school district) allows me to keep my mid on my health insurance policy while she is a full-time student under 25 years of age.</p>
<p>I believe they mean that you should keep the current health insurance that you have now. Many insurance plans will not allow you to join if you have a preexisting condition, so if your parents discontinued your health care and let the Navy take care of it, and if, say, you were diagnosed with Type I Diabetes while at USNA, you would be separated from the institution and then would have no health insurance.</p>
<p>From our Parents' Handbook:</p>
<p>"While your son or daughter is a Midshipman, the Navy will provide all medical care. If however, a medical condition develops or an injury occurs that causes him or her to be separated prior to graduation, it will be difficult to find outside insurance for what is then a "pre-existing condition". We strongly recommend you keep health insurance on your son or daughter until graduation and comissioning."</p>
<p>That being said, I would think that continuing coverage would be dependent upon the cost. Most family health plans allow you to keep your son or daughter covered under the plan without a premium increase until age twenty five as long as they are attending college/post secondary school "full time". You only need to provide the carrier with a confirmation of full time attendance each year. I seem to remember that you can request a confirmation from the Academy?? Check with your insurance company. Remember, after Plebe year you can no longer claim them as a dependent for income tax purposes and this change in dependent status may impact your ability to continue their coverage.</p>
<p>Our insurance company only needs a letter from the registrar that states: DS is enrolled as a full-time student. It is not dependent on any other factor.</p>
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it will be difficult to find outside insurance for what is then a "pre-existing condition".
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<p>while this used to be true - it is outdated information -federal laws (and state laws) have changed in recent years to make Health insurance "portable". If you have group family coverage and your son/daughter is removed and needs to go back on normally they can do so if they had credible coverage and lost it.
This is the same law that allows you to change coverage when you have a "life" change, i.e. job loss, divorce, birth of a child etc...</p>
<p>AF6872 is correct - sometimes you can't leave your child on your insurance if they are no longer a dependent.</p>
<p>Laws and coverage rules vary from state to state - if you have any questions you should defer to your insurance company and/or benefits manager and get the final word from them for continued coverage or resuming coverage.</p>
<p>Also -once your child is Active Duty (after I-day/R-day) they should not use their private insurance at all. They should only use it if they are discharged.</p>
<p>JAM04:</p>
<p>Right. My insurance never had a pre-existing exclusion and I forgot that HIPAA made significant changes regarding both COBRA and pre-existing condition qualifications. I agree, check with your insurance provider and/or your state insurance regulations. We are changing our handbook and I think that section needs a re-write.</p>