Parent's Insurance won't cover me for being a Distance Learning Student?

I graduate from High School this year and I wanted to start with an online degree program (full time) in the fall. But now it seems like it won't happen because apparently I won't receive coverage from my parent's insurance because I'm choosing to take my courses online instead of on campus. Does this make sense? Is this really true? My parents are trying to console me by saying maybe Oxford will change their policy in the future... but I don't know what to do now.

 

Medical insurance?

It may have to do with their definition of who is a dependent. I'd think age would also be a factor. Doubtful that you'd still be covered as a forty-something student. Zonker, maybe, but not the rest of us.

 

This is pretty common in the insurance industry. My son graduates from high school this June and he will no longer be covered under our insurance since he is choosing to not attend college at this time.

What I would do if I was you is to contact the member services department at your parents' insurer and ask for what proof they require of being a full time student. Many insurance companies will accept a class schedule, a letter from the college or the like. Get what they need from your college and submit it.

If, after that process, they still deny you, ask on what basis, and if the basis is distance learning, ask them on what grounds they differentiate between face to face vs. distance learning.

If you are still not satisfied, you can complain to your state Insurance Department, but don't expect any miracles at that point.

 

on line at your local CC

Hi, Years ago our daughter was a full time student at our local CC.She was dl and this was not an issue. The college issued a lettter to our insurance company which is standard in NJ. Hille

 

Good advice

Good advice, like Mr. Lloyd said, you or your parents can ask for something in writing from the Insurance company. Most insurance companies ask for proof of full time college coursework from an accredited school, period. You should be able to provide the insurance company with a letter from your college/university stating you are a full time student.

Good luck,

Abner

 

Michael offers some very sound advice, but there is something that I'd like to add to that.

Virginia Polytechnic & State University (VA Tech) is a very respected institution. I know a person who is a full-time, ON CAMPUS student, but has taken a couple of wholly online classes during their time at VA Tech thus far. So, would an insurance not cover/pay for you during your attendance on campus because of an online class(es)? I think not.

I do and have done my best learning with my feet kicked back on the couch reading the material and submitting work. I've never made below a "B" in every distance learning course/program that I've taken. I graduated high schoo with a barely mediocre 2.53 GPA. So, what's that tell you?

I wish it could all be explained by simply saying "Hey, we don't give a rat's arse where or how you learned it. All we care about is that you LEARNED." And, of course, that the learning and accompanying diploma came from a legitimate institution.