insurance

My fiance and I were engaged in May 2007, we are planning to get married in October 2008. In October 2007 he was diagnosed with cancer-- both of us being college students, he is still covered under his parent's insurance. If we get married in October and he can no longer be covered by his parent's insurance-- what are our options? Is there a way for him to take over his current coverage??

No, he can't take over his current coverage. Either he's an eligible dependent of his parents or he's not. However, depending upon the size of his parent's employer, he may be offered COBRA insurance. (COBRA is quite expensive, but if he needs to continue cancer treatments and can't find other coverage then you do what you gotta do.)

Otherwise, one of you will have to get a job with benefits so that he can be on that employer plan after your married. I'm presuming that one of you plans to be employed full time by the time you're married?

(Please tell me you're not planning to both still be full time college students and get married in October? Given your fiance's medical condition and knowing that he'll lose his health insurance through his parents, that would be a colossally stupid mistake. If you can line up other coverage, great...proceed as planned with the wedding. But if this is his only shot at being able to have affordable health coverage to treat his cancer, then the only logical thing to do is postpone the wedding. Doesn't meant that you can't stay in your relationship and still love/support him...just delay the legal ceremony given the consequences of losing his insurance.)

Good luck.

god feel really bad for ur fiance

Sad to say, there is no easy way out of this one. He will be best off to remain as long as possible under his parents' insurance coverage.

The whammy of 'pre-existing condition' (especially one as expensive as cancer treatment can be) is going to haunt both of you for some time to come.

My best wishes to both of you for his full recovery from this nasty condition.

The only viable option is a very large employer that will overlook the fact that this is a pre-existing condition.

i m sorry to hear abt ur plight. perhaps u may apply for PA insurance. i think its quite hard for most insurance company to appr your application at this point of time without loading/ exclusion if u are looking at health/ live coverage

Well, if you're getting married, does that mean one of you maybe has a job, to pay the bills? Whoever has the job, needs to take the health insurance from the employer, and when you get married, he needs to get added on.

That's the only way you're going to find health insurance for him.

He can't take it over - it's not his policy.