Can a medical insurance company drop coverage for a group?
Yes. A group policy is not much different from an individual policy when it comes to cancellations. If the group misses payments or no longer meets the underwriting guidelines the policy can be cancelled or non renewed per local regulations and contract terms.
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Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
Yes,The way this was explained to me by my companies H.R. Dept. was the fear the company has of being sued. Say you get a nasty divorce, separation or some thing along them li…nes and out of spite your husband or wife drops the family plan, then you or your child get injured and goes to the hospital just to find out that you are no longer covered. Let's face it, if you can sue because you eat fast food and it made you fat or for spilling hot coffee in your lap this is not that far of a stretch.
The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting co…nditions. Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to allow insurers to maintain a balance between the cost (premiums) for insurance relative to the magnitude of the risk assumed.
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
No, is there something else going on, like not paying your premiums? Are they cancelling EVERYONE in your state? Did your employer stop paying the premiums? For more info se…e www.SteveShorr.com Did they drop your coverage or were only 30 treatments approved and the doctor "forgot" to ask for additional treatments? Additional treatments can be retro-approved so this shouldn't be a big problem. Update: (1/18/2010 - Nameless Cynic) Excuse me? Yes, they can and will drop you on any basis that they can dream up. The process is called "recission," and Blue Cross admitted in front of Congress just six months ago that, not only does this occur, but they have no plans of stopping it on their own. http://articles.latimes.com/2009/jun/17/business/fi-rescind17
Can a husband drop his wife from medical coverage even if she cannot get insurance through her work?
Answer . If your question is on the legality of dropping the wife from insurance, the answer depends on the State and on the status (legally separated, etc.)of the marriag…e.. Answer . Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to say who is or is not covered on "HIS" policys. Sorry
If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire?
\n. \n Answer \n. \nDid you have coverage before? If so, then you are probably guaranteed issue into your wife's group plan - as it would be a "special enrollment" \n…If there is a medical questionnaire - it's for determining premium, not if you will be covered
Answer . \nMost of them require a coordination of benefits form to be filled out before paying claims. Typically only one policy pays. You would have to talk with the co…mpanies in question to find out their rules. In the case of children it can be a challenge, the rule that my company went with is the insurance of the parent that was born first was the primary provider.
Lost Insurance Coverage . Drop? . They can cancel your policy within 60 days of the effective date for numerous reasons. The most common reason is that the homeowner failed …to disclose on the insurance application some risk condition or previous claims history. This is known as concealment and is illegal. The company would rather cancel the policy than file criminal charges against the applicant. . They can cancel your policy during the policy term only for very specific reasons regulated by your state. . They can Non-Renew the policy for any reason or for no reason if they so wish.
No. But Medicare is certainly cheaper than commercial insurance.
Answer I might need more details to answer this. Most policies will continue to pay hospital claims if you are inpatient prior to your policy cancelling. Other than that I w…ould say yes unless your question is more about specific approvals. We can for example stop paying for chemotherapy if you exceed your approved # of visits and the doctor keeps "forgetting" to send us the documentation we need to approve more visits.
Answer No, the deductible is owed to the doctor or hospital. The insurance company doesn't care if you pay it or not. In most cases we'll have no idea whether or not you pai…d.
I have a 2003 Hyundai Elantra GLS Sedan with 81,000 miles on it. Because the value of it is fairly low ($2750 KBB avg. trade-in and $2,600 NADA avg. trade-in) I am considering… dropping my full coverage. My premium is $304 every 6 months, with a $500 deductible. I got a quote for dropping full coverage. To maintain the legal requirements for liability insurance I would still have to pay $182 every 6 months. Progressive bases their totalled-out cars on Actual Cash Value, which I'm assuming to be similar to average trade-in for the books. What do you think? Is it worth it to drop it?
If your insurance company drops you before a claim is settled how do you get insurance coverage on your home?
They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.
Either go to the HR department where you work or contact your insurance company directly. The company will need this in writing. Make sure there is no lapse in coverage.
You should only drop the physical damage part of your insurance if your vehicle is paid for in full and when you no longer would need help replacing or repairing the vehicle i…f a claim occurs. Also you could say that when the price of the physical damage coverage exceeds the benefit of replacing the value of the vehicle.
There are many companies which offer medical health insurance coverage. In Australia, these include Medibank Private, BUPA, NIB, AHM. One can also select the best option from …comparison sites.
There are lots of reasons that dropping your health plan at anytime is unwise. But to answer your question: You can go for up tothree months without health insurance, and stil…l not have to paythe penalty/ tax. You drop your health plan by stopping yourmonthly payments for it. If you are covered by an employer plan,you would notify your employer. The employer will have forms foryou to sign, and may ask you to verify that you have healthinsurance from another source. When you stop paying for your plan -- either at work or at home --your coverage will also stop. You pay for health insurance inadvance for the following month. So, if you don't pay the bill thatis due at the end of January, you won't have coverage in February. Keep in mind that you cannot pick up coverage whenever you want to.If you drop out, you cannot re-enter until the next openenrollment. Whatever medical bills you have while you are uninsuredare your responsibility. There is no such thing as back dating yourhealth insurance to cover your hospital bills that you had lastmonth.