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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

College Graduation or Age 26?

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Question: I had medical insurance until 7/31/2012 through my mother’s group plan coverage, when it expired due to the fact that I graduated form college. Before that coverage expired I applied at a different medical insurance plan but was denied due to a pre-existing condition (Chron’s). Can I be denied even if I am insured or have been during the preceding six months?

Answer: Yes. You can be denied for individual coverage for preexisting conditions regardless of your previous coverage. Chron’s Disease is a denial condition for all the individual health insurance underwriting guidelines that I know about.

However, (and here’s where you need to pay attention) the fact that you graduated from college is not a reason to be dropped from your parents coverage. You can stay covered on your mother’s health insurance until age 26. If you are not yet 26, have you mother reinstate you on her insurance right away.

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