Tuesday, May 28, 2019

It never hurts to ask

DS2 turns 26 this year, that magic number when big kiddos are dropped like hot potatoes from the parental health insurance. I started wondering whether there were any concessions to the rule for disabled adults who are still dependents, so a month or so ago I called our insurance company. After some back and forth, I was given a short list of what they needed: his marital status, a letter detailing his disability from his doctor and a copy of our tax returns (I think to see whether we claim him as a dependent, which we do.). I faxed those over to a black hole and didn't think much more about it. Honestly, I expected it to be a no-go.

Today, a letter came saying he meets their requirements and they have extended his coverage for three more years, at which time we can reapply. I am blown away that it happened so quickly and without the drama that usually accompanies these requests. Now I can breathe easy until 2022!

We followed that up with a trip to the oral surgeon as his dentist had recommended he have a wisdom tooth removed that is growing in wonky. The surgeon didn't take long to put those plans on hold. The tooth isn't causing any problems now and it was clear to him that DS presents some challenges that he didn't want to risk unnecessarily. DS wheeled out of that office like his chair was on fire - not often that he goes for a consult and surgery is taken off the table!

All in all, not a bad day. Kind of makes up for the fact that it is nearing 97 degrees and it is still May.

Hope it's cooler wherever you are!



  1. Yes those new laws are that all insurance companies must keep dependent children with disabilities on the roles, unless they marry. Hooray! Something goes right.

    1. I did not know it was written into the law - good to know! I'm sure they hate to do it as he is very costly to them. Oh well. It's costly for us, too.

  2. The insurance approval is such good news.so glad for you!

  3. A good lesson to us all - ASK!! You just never know and it worked out so well for you and DS2! Normally our temps would be about the same as yours but this year it's the year of RAIN and COOL temps. Ughhh...