Actually, miraculously, when I met with my insurance person yesterday I got what looks like good news (hard to believe I know....!). My younger daughter loses her coverage as of 9.1 -- her job coverage kicks in on 9/21 so I wanted to buy a month's catastrophic coverage for her. Yes ma'am -- we can do that -- no problem -- just write me a check for $271 for ONE MONTH'S CATASTROPHIC COVERAGE WITH A $5000 DEDUCTIBLE.... FOR A 22 YEAR OLD .... all set.

BUT she also told me that a law has been passed (not sure if just here in Maine or everywhere) that allows kids to stay on coverage up to age 25 even if they don't go to school ..... IF the company you work for allows it. Well - I own the company and we are allowing it so as long as she is right (and I am awaiting confirmation) my son gets 6 more years of cover........however, it doesn't go into effect til late September so it won't work for my daughter so they still need that $271.......