|
I'm not sure if you're in the US or not, but if so:
Health insurance in the US is regulated on a state-by-state basis. Laws vary. I've never heard of the requirement to be covered under parent's plan until 19 for any state--health policy is my profession—but where so, there are important reasons why that can't be true everywhere in a state by state law.
There's a kind of employer- or union--based health plan called "self-insurance" Under those plans there is no commercial insurer serving as the insurer. They frequently administer the plans, but don't insure. Self-insured plans cannot be regulated by states. Period. Hence, no state health insurance laws apply to those types of plans. That goes for being covered up to age 25 under whatever scenarios for self-insured plans. In my state that law has been changed to cover some non-students up to age 25, but given a number of conditions. 40% of Americans are covered under self-insured plans. What it all means is that you can’t look up state regulations that will tell you the coverage requirements of those plans, they vary plan-by-plan, i.e., you need to read a given plan’s policies to find out what you want. Which also can be the case for regular insurance plans because they all have to meet state regulations, but they can differ in other ways.
As far as being independent while under a parent’s plan and being able to avoid parental knowledge, if so in one state, that doesn't mean it's true elsewhere. Also, if your parent's insurance is used, as holders of the insurance policy, under all scenarios I know of, they'll get billing info, e.g. claims reports and possibly bills for co-pays, etc. I ran into that issue when I was 20 and separating from my parents but still covered under their plan for a brief period. They knew what I was up to that way in getting therapy.
Any info you get needs to be specific to your state; there is wide variance. There are only a few national health insurance regulations in the US.
If you want some info specific to your state, send me a message and I'll see what I can do.
Other than that, many/most colleges have student health insurance plans, are you able to get that?
|