Confused About Staying on Parent’s Health Insurance After Moving Out- Need Advice

I am 22 years old. I have diagnosed chronic mental and physical health issues. I am currently covered by my parent’s health insurance plan, which is Blue Cross Blue Shield Federal Employees Program. There are 8 people in my family (my parents and their 6 kids). I just moved from Virginia, where I was living with my parents, to California. Unfortunately, I didn’t move out under the best circumstances, and there has been some tension between my parents and I. One of the things that is being held over my head right now is my health insurance.

These are the things the parent (the main policy holder) has told me: – Now that I’m 22 years old I no longer have dental coverage, even if I still lived at home – I no longer have health coverage at all because I moved of the house – I have coverage still but my parent “doesn’t want to keep paying for me” now that I’ve moved – If I just paid my parents directly for my portion of the health insurance it would be fraud

I decided to call my insurance company myself and this is what I understood from what they told me: – Our monthly premium is about $800 – We have a family plan that has a set cost, so the premium doesn’t change based on how many people are on it

I don’t know who or what to believe. I am terrified of not having insurance because my new job doesn’t offer it, and I am way too sick to be uninsured. I already have some serious health issues, and there are several more (including potential hearing loss) that I need to address as soon as possible but haven’t yet.

What I need to know is: – Now that I am out of the house and living on my own, can I stay on my family’s plan? – If I do stay on their plan, can I just pay “my” portion of their premium to them directly, or is this indeed illegal? – If they decide to remove me, can they do so without me having some other type of plan? – How can I talk to my parents about this? If my parent is truly just misinformed about the whole situation, are there resources out there that could help them understand? – What on earth do I do if I am removed from their plan?

submitted by /u/oceanmando
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