For college students and parents-new law re: health coverage

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Veteran Member

Date Joined Jan 2006
Total Posts : 3129
   Posted 10/24/2008 8:01 AM (GMT -6)   
I do not believe I have seen a post on this, but it may positively affect some of our college age posters.  A new law has been passed to help those who are seriously ill during college and are on their parents insurance as long as their health plan is subject to ERISA

Group Health Plans Must Continue Coverage for Sick College Students

A new law (P.L. 110-381), named "Michelle's Law," requires group health plans offering dependent coverage to allow college students who become seriously ill to leave school without losing coverage under their parents' plan. This law is effective for plan years beginning on or after October 9, 2009 (for calendar year plans, the provision takes effect on January, 1, 2010.)

Michelle's Law amends ERISA, the Public Health Service Act, and the Internal Revenue Code to ensure that dependent students who take a "medically necessary leave of absence" do not lose health insurance coverage for up to 12 months after they take the leave of absence. Fully-insured plans as well as self-funded plans are impacted.

A "medically necessary leave of absence" means a leave of absence from a postsecondary educational institution that commences while such child is suffering from a serious illness or injury, is medically necessary, and causes such child to lose student status for purposes of coverage under the terms of the plan.

A group health plan or a health insurance issuer that provides health insurance coverage in connection with a group health plan, may not terminate coverage of a dependent child under such coverage due to a "medically necessary leave of absence" before the date that is the earlier of: A) the date that is one year after the first day of the "medically necessary leave of absence"; or, B) the date on which such coverage would otherwise terminate under the terms of the plan or health insurance coverage.

Certification by Physician – The requirement to extend coverage during "medically necessary leaves of absence" applies only if the plan receives a written certification by a treating physician of the dependent child which states that the child is suffering from a serious illness or injury and that the leave of absence is medically necessary.

Notice Requirement – Group health plans must include with any plan notice regarding a requirement for certification of student status a description of the terms for continued coverage during a "medically necessary leave of absence."

Dx'd '90 (emergency rupture), symptoms ignored long before that, '03 fistulas and bad flagyl reactions, B12 weekly, Pentasa [until I surrender to the bigger meds]
I'm riding on the escalator of life....

Veteran Member

Date Joined May 2005
Total Posts : 4219
   Posted 10/24/2008 8:37 PM (GMT -6)   
Awesome! Thanks for posting that.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.

Regular Member

Date Joined Feb 2004
Total Posts : 106
   Posted 10/24/2008 10:25 PM (GMT -6)   
Thanks SO MUCH!
:) :) :) :) xoxoxo :) :) :)

Post Edited By Moderator (Ides) : 10/24/2008 10:11:07 PM (GMT-6)

Veteran Member

Date Joined Feb 2004
Total Posts : 6518
   Posted 10/24/2008 11:40 PM (GMT -6)   
How about just sick old men?
If we would read the secret history of our enemies,we would find in each mans life sorrow and suffering enough to disarm all hostility.

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