Can you cancel your health insurance any time?
You'll need to check your Plan documents. It depends if your premiums are part of a Section 125 Cafeteria Plan (aka, premium deductions are taken from your paycheck PRE-Tax). Most plans require a "Qualified Event" to make changes outside of the Open Enrollment period. If there is a qualified event you generally have 30 days to notify your employer of the changes.
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Cancellation of health insurance policy can be more complicatedthan most other types of insurance. so following the rightprocedure when cancelling a health policy can ensure that you don'tface any problems along the way. 1. The policy holder need to call the insurance company to cancelthe policy. A…part from submitting cancellation request and e-mail. 2. Make sure to get the name of the customer service representativethat you speak with, and write down the confirmation number at theend of the call. 3.Read through your policy carefully to determine what the refundrequirements of your policy are. Most new policies have a graceperiod when you first purchase it, where you can cancel and obtaina full refund, usually within the first 10 to 30 days, depending onthe insurance company. 4.Some states do not allow a refund of an annual policy that you'vepurchased. Check with the public health department of your ownstate to understand the basic rules governing insurancecancellation. 5. Call your insurance company directly instead of calling yourinsurance agent. Now the last on list keep a follow up the phone call with writtennotice regarding your request to cancel the policy And also mentionthe phone call with the name of representative that you spoke with.Write that you are sending the letter to submit a written record ofyour cancellation as a follow up to the phone call. (MORE)
Answer . You can always drop due to a qualifying event. If you did not have a qualifying event, check your Section 125 Plan (AKA Cafeteria Plan). This document dictates the contributions that you make pre-tax through payroll deduction... so your ability to stop paying may be the key to your de…cision. (MORE)
Yes, you can cancel any policy at any time, and expect a refund for the used portion of premium paid.
Answer . Yes, in certain situations. For example, 1) If you are no longer considered an "Eligible Employee" - (ie. you no longer work enough hours to be considered full-time); 2) If your employer discontinues the plan for all employee's.. Note: Any involuntary loss of coverage may be a COBRA …or HIPAA event. (MORE)
Answer . I'm not an authority on health insurance. But would think the same would apply (but please check), that if your policy were in effect on the 'date of loss' then coverage would apply.
Get a lawyer to review this!!!!!\n. \nhttp://www.leginfo.ca.gov/cgi-bin/displaycode?section=fam&group=02001-03000&file=2040-2041\n. \nFAM Code 4302. A person is not liable for support of the person's spouse when the person is living separate from the spouse by agreement unless support is stipulat…ed in the agreement.\n. \n . BUT******\n . \nFAM 2040 - After issuing a summons there are orders\n. \n(3) Restraining both parties from cashing, borrowing against, canceling, transferring, disposing of, or changing the beneficiaries of any insurance or other coverage, including life, health, automobile, and disability, held for the benefit of the parties and their child or children for whom support may be ordered.\n. \n . AND ****\n . \nFAM 2024. (a) A petition for dissolution of marriage, nullity of marriage, or legal separation of the parties, or a joint petition for summary dissolution of marriage, shall contain the following notice:\n. \n"Dissolution or annulment of your marriage may automatically cancel your spouse's rights under your will, trust, retirement benefit plan, power of attorney, pay on death bank account, transfer on death vehicle registration, survivorship rights to any property owned in joint tenancy, and any other similar thing. It does not automatically cancel your spouse's rights as beneficiary of your life\ninsurance policy. If these are not the results that you want, you must change your will, trust, account agreement, or other similar document to reflect your actual wishes...." (MORE)
Can existing insurance policies be cancelled at any time if an insurer learns of new health problems?
Answer . Most life policies issued in the US contain a 2 year contestability period.. Should death occur within that time frame, the insurance co. has the right to investigate the death and may refuse to pay if they discover [that] the insured person commited fraud at the time of contract.. If …an insured 's health diminishes after a life policy has been issued, and no sign of the new health problem was evident at the time of contract, then the insurance co. cannot cancel the contract, except for non payment of policy premiums as they come due.. By the way, if a policy lapses at any time due to non payment of the premium, if reinstated, the 2 year contestability period starts all over again. (MORE)
The best way to confirm is to contact your insurace provider directly to confirm effective policy dates.
Teacher health insurance varies based upon the district or state where they work. Also, teachers do not get said "vacation time". Teachers work a set amount of days according to their particular contract. Teachers do not get paid for the days they do not work (including holidays). They are paid for …the days they work. Most teachers choose to have their yearly salary spread out over a 12 month period so that they receive money during the summer. (MORE)
It is not illegal for a spouse to cancel health insurance beforeanother spouse files divorce. However, if a current legalseparation agreement is in place that allows for health insurance,then it can not be cancelled.
That would be pretty stupid...but probaly. yep he can My ex did they(the insurance company)said because we didn't file taxes together. LOL what a joke!!
Yes...and you should get back the amount of premium you have not yet used for the rest of the policy. This is only if you paid in full. If you pay monthly, you may cancel but will get back less money, if any.
Call the insurance company and tell them you want to cancel the policy, and make note of the date, time and the name of the person you spoke with. Then follow up with a letter stating your wish to cancel the policy, being sure to include the date of the letter, and be sure to sign the letter. You sh…ould also state in the letter the date you called requesting the cancellation of the policy, and the name of the person to whom you spoke.. You also need to contact your bank and inform them that you want the automatic drafts discontinued. You will probably have to go to the bank and sign a request form to have the drafts discontinued. (MORE)
Can your dad cancel your health insurance because he is mad at you you are a full time college student and I am twenty years old?
If your Dad is paying your premium for you, then he can stop paying the premium anytime he decides, which in turn will cancel your coverage.
Individual plans can be purchased anytime.. Most group plans have open enrollment periods, or are available for enrollment after your probationary period (90 days).. Medicare has specific enrollement periods each year.
I believe you are both responsible for any bills incurred (such as health care costs) until you are divorced, so in some cases it would behoove a spouse to keep coverage on the other spouse so that they don't end up responsible for a large bill in the case of an accident or serious illness. However,… if there is a separation agreement with a clause about neither party being responsible for any debts incurred after the signing of the agreement, one may be able to drop their spouse from insurance without issue. (MORE)
Scam! Stay away! It is not insurance, but a misleading discount plan. Check out ripoffreport.com there is quite a bit of info on this scam.
Your employer cannot legally cancel your health insurance withoutyour knowledge. If an employer chooses to cancel your healthinsurance he or she must notify you.
You are legally separated can you cancel your spouse's health insurance in the state of North Carolina?
Is this about your sorry a$$ husband? If the coverage is his, i.e., he has this health insurance through his job, or if he is paying a premium for a privately obtained policy, you obviously cannot cancel his insurance. If you are carrying him on private insurance that you are paying for, or if he is… covered under a policy that is a benefit of your employment, you can remove him from the coverage at any time so long as there are no restrictions in the policy (maybe as to timing) or unless your separation agreement (or a court decree) specifically addresses the issue, in which case the separation agreement (or court order) will govern whether you can drop his a$$. Although this response is to a wife seeking to drop her husband, the law would be the same for a husband seeking to drop his wife. It assumes that neither spouse has been adjudicated "supporting" or "dependent" and, as in almost all legal opinions, while true in my state, may or may not be so in other states. (MORE)
can a discretionary trust set up for an only child be cancelled at any time?
If you are legally separated can you cancel your spouse's health insurance in the state of New York?
I'm not qualified to offer legal advice, but if I were you I'd be very careful of such an action without first consulting with an attorney in that jurisdiction.
Only if you took out insurance with a cashing in value on cancellation. most insurance policies have no monetary value except upon death, or serious injury if you have that type of cover. Check your policy, as it will tell you either way.
Benefits such as these are not a function of being a lawyer as such. Instead, they are a function of the lawyer's employer. Typically, a law firm that employes a lawyer will offer these benefits, as will a corporation that has in-house counsel. However, a solo-practitioner (a lawyer practicing law o…n his/her own) or with a small group, may not initially be able to afford the insurance or the time off, especially while buidling a practice. (MORE)
No. But tell your Medicaid agency about this because providers should bill your private insurance first.
Yes. Most health insurance policies have a grace period for you to pay that is mandated to be at least ten days. After that your policy is cancelled and you have a reinstatement period. That is mandated at either 10 or 30 days. After this period your insurance is lost for good and cannot be reinstat…ed. you must re apply as a new member. (MORE)
Call the insurance agent or company and let them know you wish tocancel and request their method for doing such. If you are payingit through a bank draft I would stop the draft as well so thatanother payment is not drafted before the cancellation isprocessed.
My mom had the same issue. Her payment was late but they cashed the check. Issued a letter cancelling her and then sent issued her a refund. It seems to me the act of cashing the check, implies acceptance of payment. Does anyone have an idea if this is true? The letters about the cancellation came w…hile she was in rehab and she did not receive them until she was home. Anybody have any thoughts ? (MORE)
Legally, in most situations, an employer cannot "just cancel" any employee's health insurance without notice. A federal law known as ERISA requires 60 days' notice of "material reductions." Courts disagree over whether cancellation is a "material reduction" but all at least agree that concurrent not…ice (it's still notice to say 'I am canceling your health benefits as of today.') must be given to comply with fiduciary provisions. You should consult an attorney or your local labor board. (MORE)
If on strike and decide to cross the picket lines. does insurancereinstate or not. thanks, jan
The answer - for the time being - is going to depend on where you live and what kind of health insurance you have. It is possible that your health insurance company was within its rights to cancel a dependent child's health insurance at age 18 in these circumstances. However, one of the provision…s of health reform which will become effective this year would allow children and young adults to retain health insurance coverage under their parents' health insurance plan until age 26. This isn't scheduled to take effect until September 23, 2010, but you should talk to your health insurance company to find out precisely when you may be able to re-enroll your son or daughter. Some insurers are now allowing earlier enrollments, while in other cases you may be required to wait until the next open-enrollment period following September 23, 2010. (MORE)
Some companies may charge you for early cancellation, it's best to just stop making the payments and secure coverage for when it runs out.
In general, yes. However, currently, an insurance company may exclude coverage for the illness for which the person is being treated. Often, the exclusion is for a specific period of time, and thereafter, even that condition is covered. Health insurance and certain other forms of personal insurance…, such as life insurance, are underwritten and priced with an eye to the physical health of the person to be insured. Therefore, even if coverage is provided for the current illness, the premium may be, and probably will be higher than for a person with no health concerns. There are certain health conditions which an insurer may not consider in making the decision as to whether or not to issue a policy. Since insurance is primarily regulated by the states, state law may differ on this point. A common example is sickle cell trait. One of the reasons for this is that the condition affects primarily blacks, and were insurers allowed to deny coverage for this condition, they would be effectively refusing to insurer a particular racial group. Irrespective of the actuarial soundness of such an exclusion, it is the position of virtually all state legislatures that this sort of "discrimination" is unfair, and it is prohibited by the insurance codes of all, or virtually all, states. If an individual is unable to obtain indemnity health insurance due to one or more illnesses, an alternative, albeit an imperfect one, is a medical discount plan. This is an arrangement whereby the participant pays a monthly fee for access to a network of providers who have agreed to provide a menu of services for a reduced fee from that normally charged. It is important to remember that the consumer of the medical services remains financially liable for the payment of all charges under a discount plan arrangement, and that no risk is borne by the plan. It is also important to confirm periodically that the provider whom the consumer wishes to use remains a participant in the discount plan and that he/she/it in fact offers the discount that is represented by the plan. Finally, many states have begun to regulate discount plans, so it is important to deal with one that is lawfully licensed with the state regulator. The state's department of insurance is often in charge of regulation, although these plans are not insurance per se. (MORE)
If not legally separated, you will probably have to wait until open enrollment through your employer to cancel her insurance. If you do get legally separated, you can cancel insurance as you have had "change in status." Usually insurance companies will process changes outside of open enrollment when… you have a change in family status. An example of this would be getting married, having a baby, or getting divorced/legally separated. (MORE)
no you do not , you can however convert the policy to a 'perm' permanent or whole life policy generally without going thru medical again. The term policy is for a specified term, 88$ of these policies never get paid out because the insured outlives or cancels the policy. A permanent policy generally… does pay out and is signifacantly more money based on your age and health. These policies generally start building up cash value in year 3. (MORE)
Motor Club of America is by far the best cheapest insurance company I've ever heard off. For just $20 dollar a month you get roadside assistance, discounts on prescription drugs, vision and dental care along with up to $55,000 immediate cash hospital benefits for more information please contact me a…t firstname.lastname@example.org or my phone number 17807429935 and I'll be more than happy to help you and answer all your questions (MORE)
Most insurance policies, including health policies, provide for a stated due-date for the payment of premium each month. They usually also provide for a grace period (such as 10 days) after the stated due date within which the company will accept the premium without penalty. The policy may be subjec…t to cancellation if the correct premium is not received by the end of the grace period. (MORE)
Can employer cancel your health insurance if you got behind on your premiums while you were on FMLA?
Unless you have some chronic disease , accident or sudden emergency you cannot file for health insurance benefits. You can get it done, and will have to submit all the premiums.
Not normally if you were properly insured when you made the claims. Unless there is some special condition set in your terms of insurance when you started it. And for example, there could be difficulty if it is found you did not provide full information when you started.
Assuming you are talking about your employer's health plan post termination, the employer has that responsibility.
Can your spouse cancel health insurance on you and his step children before the divorce is finalized?
I don't know about the legal ramifications but as a general rule, if an employee goes to his HR dept and asks to have his spouse and dependents removed from his health insurance policy they will do so without question. I don't think the employer has any obligation to require the employee prove they …have the right to do so. (MORE)
If you are an active employee you would need to contact your personell office, and if retired, contact the office that handles retirement benefits. It should only require that you sign a form or two.
Depending on your age, if you are a full-time student and a resident of your parents home you can remain on their health insurance until the age of 26. Be careful if you don't take enough hours one quarter or semester to meet the requirements for full-time student at your college. You can purchase w…hat is called short-term major medical insurance for times that you are not covered elsewhere. This is less expensive than regular individual health insurance. It is designed for students, people between jobs, when your waiting to qualify for your new job's group insurance, etc. (MORE)
That would not be a very nice thing to do, what you should do is write to your spouse and the insurance company, point out that you are now separated and indicating that you will no longer be paying for your spouses insurance after a fixed date in the future. This informs the insurance company of yo…ur intentions and allows your ex spouse to arrange their own health insurance. (MORE)
Celtic health insurance is more of a specialty health insurance company which offers individual and family plans. However, the ratings from the general population don't seem to think it is a better choice then other health insurance companies
Many reasons. Most commonly, for not paying the monthly premium on time (or at all). Another reason could be falsifying information on the initial application for insurance.
Technically employer should inform the insurance company when they terminate any regular employee. Then insurance company will give 31 days window after termination date. That way, the emplyee could able to change their insurance either to new company benefits program or convert to individual health… insurance. The employer can't terminate your group health insurance. (MORE)
only minor discounts on prices if you negotiate with the company, no big deal anywais
Each insurance policy is different. Technically you are able to switch companies at any time BUT there could be a penalty or fee for leaving before your renewal date. You need to check your policy and do the math to see if it is worth paying the fee to get the benefits of the new company. If you …simply stop paying your current insurance company, you can bet that it will hurt your credit score. That will also cause any new policies to be more expensive. You also want to make sure there are no lapses in your coverage. Make sure your new policy starts the same day that your old one ends. You should call your insurance company and see what necessary steps need to be taken. (MORE)
Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not… required to offer COBRA. Last, if you were fired from the job for gross misconduct, the employer does not have to offer you COBRA coverage. (MORE)
When paying for Anthem health insurance through your job how do you cancel it when you are are putting your notice to quit in?
If a person is paying for Anthem Heath Insurance throug their job and they are quitting, the compaby will cancel the insurance. A person will also recieve a letter in the mail, which will ask if they want to continue paying full price for their coverage.