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What to do, what to do????
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<blockquote data-quote="bigblueagain" data-source="post: 4292" data-attributes="member: 909"><p>well there are several things going on here. </p><p>First of all, for state assistance your income should not be factored in......since he is 19 they normally do not factor in your income as he is considered an adult. I definitely would go ahead and apply. Is he employed by anyone that would have him with some qualifying income? </p><p>Second, is he a full time student? I am assuming he is not since you said he was released from your coverage. Employers are only obligated to provide coverage under a family plan when the student is over 18 if they are full time students, and you have to provide the insurer with a letter from the registrar of the school to prove that.</p><p>Thirdly, the COBRA would most likely have the same conditions as #2. Also you usually only have 60 days from the end of regular coverage to declare intent to continue on the COBRA, then you have just a certain time after that to pay. As to the amount, it does seem fairly reasonable though. Most COBRA coverage is for the full amount of the family plan without employer contribution. I know of some folks whose COBRA ran $600-800/mo. So even though it seems high, if there is anyway you qualify it might be worth it. </p><p>As to the physical therapy, yes your son will most likely do better with it. I am assuming there is an orthopedic problem? Again if your son qualifies for the state aid, it will probably cover this too.</p><p>Hope you can get that state coverage. I would start the process right now. </p><p>BLUE</p></blockquote><p></p>
[QUOTE="bigblueagain, post: 4292, member: 909"] well there are several things going on here. First of all, for state assistance your income should not be factored in......since he is 19 they normally do not factor in your income as he is considered an adult. I definitely would go ahead and apply. Is he employed by anyone that would have him with some qualifying income? Second, is he a full time student? I am assuming he is not since you said he was released from your coverage. Employers are only obligated to provide coverage under a family plan when the student is over 18 if they are full time students, and you have to provide the insurer with a letter from the registrar of the school to prove that. Thirdly, the COBRA would most likely have the same conditions as #2. Also you usually only have 60 days from the end of regular coverage to declare intent to continue on the COBRA, then you have just a certain time after that to pay. As to the amount, it does seem fairly reasonable though. Most COBRA coverage is for the full amount of the family plan without employer contribution. I know of some folks whose COBRA ran $600-800/mo. So even though it seems high, if there is anyway you qualify it might be worth it. As to the physical therapy, yes your son will most likely do better with it. I am assuming there is an orthopedic problem? Again if your son qualifies for the state aid, it will probably cover this too. Hope you can get that state coverage. I would start the process right now. BLUE [/QUOTE]
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