<<Disclaimer: Verify this information before applying it to your situation.>> To follow up on summary of student health insurance: Students with a current student non-group health policy can sometimes transfer to a standard policy with better coverage for office visits and diagnostic tests. New employees of large companies may not have problems getting covered, but with smaller companies it could be more difficult. And some small employers do not offer health care coverage at all. Doctors may be reluctant to see a new patient who wants to pay cash or who is without good health insurance. "what kind of insurance do you have?" is a standard question. Sometimes before "what problems are you having?" Celiac disease might not be the correct diagnosis - symptoms might be caused by something else, even though CD is likely because of family history. And while celiac disease might not be a costly diagnosis from the perspective of an insurance company arthritis or cancer, for example, would be. Other comments from list members: "I am appalled and shocked at the many responses suggesting that you commit insurance fraud! ...Insurance fraud is lying, cheating and stealing from all of us!" "...wear a medi-alert bracelet. Also put something on your driver's license & medical insurance cards." "check into a option called "cobra"? It is an option for college aged kids on the parent's health insurance. My daughter, now 17 will be covered starting at age 10 until age 25, as long as she is in college." Thanks for responses and comments, Waynel in Oklahoma