Or what other options do we have to insure him? He is really suffering in the German school system, and I am desperate to get him out. My parents have offered to take him to finish the school year, but I am worried about what would happen if he got sick during the next few months.
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The answer to this question depends upon the insurance laws in his grandparent's state of residence. For example, in my state, a grandparent can add a grandchild to an existing group or individual policy only if the child is: in the court-ordered custody of the grandparent(s); unmarried; resides only with the grandparent(s); is completely financially dependent upon the grandparent(s); and is below the limiting age for dependents. Many states have statutes that are similar. While your son might meet most of these qualifications, the problematic one is the first criteria: you would have to give up custody of your child, which doesn't sound like it's an option to you. (Please note, "court-ordered custody" is usually permanent; "guardianship" is temporary, so they're not the same.) I suggest you have your parents call the insurance commissioner in the state where they reside AND speak with their insurer. Once you have this information, you can think about this option further.
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