Dilemma

[narcissistic]

Well, it's sad but it has come to the point where I just can't do chemistry anymore. It's not that I'm dumb. I merely stalled for a few weeks on the homework thinking it was nothing and I could simply catch. Boy was I wrong. It cost me a great deal (2 failed tests). Lesson learned. Not doing that ever again. We're in the middle of the semester now but I'm feeling overwhelmed. I've managed to maintain a good standing in A&P and Math but Chemistry, I just simply can't catch up. I guess I have to let it go. The problem is I'm a dependent with the insurance thing (which requires a full time student). My mom was pissed when I told her I wanted to drop my chem because I wouldn't be a full time student (which would mean I won't be included in the medical insurance). What should I do? Would they cut me off from my insurance when I quit one of subjects in the middle of the sem?

[MB37]

Some schools also require you to be covered by health insurance, and dropping a class might make the registrar wonder if you still are and ask for documentation. Worst they'll do though is then make you purchase it through the college. Health insurance is handy, but I lived without it for several years. Unless you have a chronic condition (which is none of my business) and need to visit a doctor regularly I would drop the class and save your GPA, and start studying much earlier next semester. Any ER has to see you whether you have insurance or not if anything catastrophic happens, god forbid, so you should be fine. The campus health center should take care of anything else for a nominal fee. Good luck!

[WDWpixieRN, RN]

i'm not sure what you had to do to verify for the insurance that you were enrolled, but my kids always had a form they took to the registrar that was completed early in the semester and mailed to the ins. co. there was never any follow-up that was done after that per semester (or maybe it was for the year?).

anyway, our middle child graduated from a vocational ed school a year or so ago and was going to be without insurance temporarily. one of her "friends" told her to go register, get the form filled and sent in, then drop the courses and she would be covered. (i did not allow this -- don't flame me; i just mention it as apparently there's not always follow up done once enrollment is verified.)

someone more in the know might be able to confirm if there's any additional verification done after the fact.

i think the insurance is the least of your concerns. if your application process is weighted, it sounds like you might need to drop this course and come back to it.

best wishes -- to you and your mom (boy, can i sympathize with going crazy over a kid's insurance coverage!!).

[narcissistic]

Best wishes -- to you and your mom (boy, can I sympathize with going crazy over a kid's insurance coverage!!).

I know. My mom went postal with me but I can't blame her. She's only looking out for me.

I use to work for Blue Cross Blue Shield.... each state is independally owned but for us.... the student status was the student had to be full-time 3/4 of the quarters or 2/3 of the semesters....

So in that case (and obviously you'd have to check with your personal ins. company)... if you go full time next summer, you would be fine under that rule.

Maybe yours is the same??

Good luck... and I think Chem, A&P and Math (was it) are a lot to take anyway... even if you were to catch up... that is still a difficult courseload..

Take care.. best of luck to you.. let us know what you find out...

I think our insurance is Blue Shield. I don't know what you mean by full time for 2/3 or 3/4. Our Chem class started August 15 and ends December 15. If I drop now, where would I be in that scale?

I'm not sure what you had to do to verify for the insurance that you were enrolled, but my kids always had a form they took to the registrar that was completed early in the semester and mailed to the ins. co. There was never any follow-up that was done after that per semester (or maybe it was for the year?).

Same thing. Although at the start of the semester, I had 17 units under me and it shrank to 14 and now 10 (by the time Idrop chem).

Health insurance is handy, but I lived without it for several years. Unless you have a chronic condition (which is none of my business) and need to visit a doctor regularly I would drop the class and save your GPA, and start studying much earlier next semester.

I don't have a chronic condition (I hope not:uhoh21: ) but my mom just kmade me worry about it. That's why I need to know where to get medical insurance for myself (I'm from California) without being a dependent. I hate being tied down by conditions. I was a fool to take 2 Science classes at the same semester along with others. And then I get pressure from my folks which is bad enough. They don't understand how hard it is. I just feel like quitting altogether. They'e pressuring me so I can finish FASTER. Why can't they just let me do it on my own learning pace? I don't want to be tied down to this insurance rule. Is there anyway that someone like me could qualify for my own medical insurance?

[WDWpixieRN, RN]

That's why I need to know where to get medical insurance for myself (I'm from California) without being a dependent. I hate being tied down by conditions. I was a fool to take 2 Science classes at the same semester along with others. And then I get pressure from my folks which is bad enough. They don't understand how hard it is. I just feel like quitting altogether. They'e pressuring me so I can finish FASTER. Why can't they just let me do it on my own learning pace? I don't want to be tied down to this insurance rule. Is there anyway that someone like me could qualify for my own medical insurance?

Yes, you can get your own insurance...and it's horribly expensive depending on what type of coverage you get "on your own"....and may not cover much if you go with a cheaper plan as it'll most be for anything catastrophic before the coverage will kick in...meaning lots of cash out of pocket for routine care....

You might not like this "condition", but you seriously should try to work within the confines of the insurance they can get for you, as long as they're willing to cover you. I don't seriously think the insurance co. is going to come back this semester and check on you....my daughter once dropped below 12 credits in the past and no one's ever checked that I'm aware after the semester was verified by the registrar initially. I thought they only checked once each year before their birthday as I recall (and we have Blue Blue Cross/Blue Shield of CA) The person who posted the BCBS info can help you more with that probably....

Twelve units at your age, so soon after high school, should not be a burden...have a counselor help you balance your workload in the future...they can help you figure it out based on work obligations, etc....

I have 2 daughters who had to find out the very hard way how NICE it was having mom and dad's insurance to cover them...my 27-year-old gave up the opportunity to have bunions fixed on her feet and can't remember the last time she had her teeth regularly cleaned on a 6-month schedule. My 23-year-old is now having to buy her contacts and vision care out of her paycheck -- with NO insurance.

If you're in CA, here is one option you can try for insurance -- it's through Blue Cross/Blue Shield and is specifically for your age group:

http://www.tonikhealth.com/

I don't know much about it except what's stated on their site, but unfortunately, because we live in Missouri, I was unable to get this for my kids....you might call them and just get some rates and ideas about what they do and don't cover...

Keep in mind, this might specifically be HEALTH insurance...not dental, not vision...those would be extra or out-of-pocket...

Your parents most likely truly do have your best interests at heart....keep in mind they're just doing their job!! :heartbeat

As I tell my kids, it's what I get paid the big bucks for!!