I don't know of one. It may be cheaper to buy an individual plan just for him. If he is healthy then it should not be to bad. If that is not the case then sometimes there are state programs that will help.

As long as he is a full time student and under 25 he should be able to be cover under your medicare....I know that is how it is with medicaid. So it would seem it should be the same.

you're soooo lucky you habe health insurance in america!! You have to be soooooo wealthy to have it here haha

Most colleges have free health care. Check with the college he is attending.

If your income is too high for the free healthcare, an individual student policy is the next cheapest route to go. They are available through most major companies, like State Farm, etc.

That's another thing I was wondering about. I'm guessing our guardianship will end when he's 18. So, when it comes time to apply for financial aid, would our income count at all? I'm not sure how that works. Also don't know if they count DH's pension as income or not for financial aid. We'll find all that stuff out soon, I'm sure, unless someone else has experience with it?

He's on MA now, but in July 2011 DH and I will switch from the 2-person health plan to a family plan so he will be covered. He will be 18 when he graduates May 2012, and if we don't add him in July of this year, his MA coverage will end when he graduates high school and there would be a gap in his coverage from May 2012 until we could add him in July 2012. I't s shame we will have to pay all that extra insurance premium for for 11 months just to be sure he is not without insurance for 1 month, but I just won't take a chance.

There is no Medicare family plan. I believe also that colleges either have free medical care or sell a health policy to cover them. However, I don't think they cover them when they are not in school, like during breaks. I kept a small business policy so I could have coverage for my gs. When I reached medicare age, I found a Blue Cross Blue Shield individual policy for him. It has a $250 deductible and 80/20 coverage and includes pharmacy copay. My gs is 21 now and has health issues that have demanded expensive testing and surgery so I am glad we found this. One thing to consider is getting him on a plan while he is young so that he w/not have any underwriting problems if he should get ill. My gs w/not get past an underwriter now so I'm very glad we did this. You can go with higher deductible to keep premiums down. You also should look at if a plan has a wellness program that covers an annual physical. Most emergency room visits are a copay of $100 and many times that is what college students use the most. With insurance changing, you might want to contact your husband's company and find out the advantages of carrying your gs on that policy. You are right that at 18 he will become legally independent. You should go to Office Max and purchase Living Will forms. You should each have one that gives permission for care and the question of pulling the plug. When our daughter was in hospice, the social worker recommended we all make out one which we did. She pointed out that young people, God forbid, may get into accident and be put on respirator. If you do not have living will, you w/not be able to make decision of whether he remains on tubes or is disconnected. Not a decision we ever want to be faced with but as teens get older, it is wise to cover this. I also have some plans that cover accidental death or injury, supplemental expenses if hospitalized, etc. These plans only cost around $10 a month or so and if you need it, you will be glad you have it. We have had to use it and we were sure glad we had it. You can go online to Blue Cross and look up individual plans without making a commitment. Just make sure you go directly to bcbs.com, not some agency where you have to deal with an agent. Hope this helps.

Thanks, Daisyduck. DH is covered under his group employer's plan until he reaches Medicare age, which will be in 3 years; Tyler will be a Junior in college then. I think we'll need to just pay for an individual plan for him.

I'm so glad you mentioned the living will. DH and I have one but would never have thought of that for Tyler. We will make sure we have that and a POA for healthcare for him just in case. We do have cheap term life insurance for him, also just in case, and it's very inexpensive because of his young age.

He's extremely healthy and seldom even gets a cold, but he is an athlete and has had a couple of injuries, one that necessitated emergency surgery, so going without healthcare, especially if he plays football in college, is not an option.

Re financial aid: since he is living with you, they probably w/count household income. He needs to start his "Fassa" (sp?) . By completing this he will find out what aid he is entitled to. His high school counselor s/be able to help him with this.