February 26, 2013 3:18 PM Subscribe
The situation: My work-related insurance coverage for my daughter ends May 1. She has found a lump, which the docs want to watch for 6 months and then decide about a biopsy. She is 22 and our first thought, before this news, was to allow her to be uninsured through the Summer.
posted by Danf to health & fitness (21 answers total) 1 user marked this as a favorite
She called, only to give us a heads-up about billing/insurance with this. She was having an annual and a lump was found in her breast. She said that she's had it for awhile and it has not changed. Statistically, for her age, the probability is that it is not cancer. No family history, good diet, etc. She did have an ultrasound on it, which resulted in the advice to wait 6 months and re-check.
But we are freaking out because, one, my child, cancer, etc. But also, insuring her past the cutoff of my work insurance ending is very very expensive.
She is a student, and we can get her student insurance, which we have waived up to now. My only concern is that this lump may be judged to be a pre-existing condition, since she has been seen about it.
It is hard for me to be rational about this, and she is my adult offspring, not my child, although we are still paying for a lot of her life. We could:
1. Advise her to get a biopsy now. If it is malignant, then of course we continue covering her. If not, well, we feel more sanguine about letting it slide, or signing her up for student insurance.
2. Bite the bullet and start forking out $506 per month, at least through the 6 month watching period.
3. Get student insurance (she lives and attends college in another city), around $500 per term, and pray that they do not deem this a pre-existing condition.
#1 seems the best choice, although a biopsy is painful, invasive, traumatic, etc.
Given all the above info, what would you do, as a parent?