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Tabby Kat | What would happen if i just stopped paying for my health insurance.. besides obviously losing my coverage.? |
Additional Details
Im just wondering if it would have any negative affects on my credit or if I might have problems getting insurance in the future.
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Yellowrabbit
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The HIPAA health insurance law affords you coverage of pre-existing conditions if you switch insurance carriers. It is called credible coverage. If you do not have credible coverage the next policy you have will not cover pre-existing conditions for a set amount of time, which vary by policy but could be between 6 months to 2 years. So if you are taking any maintenance drugs now, plan on pay their full cost for some time to come.
Assuming you have coverage through your employer, I would call your benefits administrator, someone in your company's HR department to find out about the hardship provisions. You may be able to waive the premium until you get on your feet or switch to a lower cost coverage. I would also call and email the insurance company for guidance. I say call and email becuase the phone representatives are judged on how the average length of time, speed of answer, etc and your question is not a typical question so you will probably get a poor response. Emails afford the insurance company time to research your question.
If you stop paying your credit rating will be penalized. If you decide to cancel, contact your insurance company to ask for the proper procedure to cancel. It is likely just written notice. The reason the prior contact is preferred is becuase the insurance company will probably not terminate your benefits as soon as you become overdue. So from their point of view they have provided you coverage for a period in time that you have not paid for the service. |
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Meg...Out of Hybernation
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This may cause problems if you have recently been to the doctor for anything. They will have trouble submitting your claims to the insurance agency since everything is done in arrears. |
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zippythejessi
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It might affect your credit... Depending on the insurance company, you could also get sued for the money. They also will put a "blackmark" on your ever getting insurance again privately.
Cases like this are why premiums are sky high for everyone who wants to buy an individual policy. Insurance companies don't want to sell to a person because they often get screwed on the payments.
Do yourself and everyone else a favor and just cancel your insurance. Unless you're also looking to commit insurance fraud (which is a FELONY) by going to the doctor after you stop paying your premiums. |
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catgina
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if you payed a month in advance there shouldn't be any problem.. also you can cancel your insurance anytime you get ready. they have to pay anything during your coverage period after it cancels thats it. it want affect your credit unless you owe them.. as far as getting more ins i'm not sure if you just call them and cancel i dont think it would matter.. |
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Moondog
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I'm not sure what you are looking for. Losing the insurance is pretty much it. |
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David S
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It can actually make it harder for you to get ensured in the future.
When you apply for insurance they will ask if you have been ensured in the past. If you have, then they will investigate. If you say "no" they will investigate anyway. If they find you were dropped due to non-payment, it is very likely they will deny you coverage and there are no laws to protect you in this situation. |
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Robin M
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You may be liable for any unpaid bills that have not yet gone through before canceling your insurance. You may want to wait to make sure all your claims have been paid first. |
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mbrcatz
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It won't affect your credit.
Just the fact that you cancelled, would not affect your ability to get a new policy, HOWEVER, something could happen during the lapse to prevent you from being insurable, or you could CURRENTLY have less than perfect health, and they won't have to take you back.
In other words, when you want insurance again, you fill out a new application, and they won't cover you if there's anything wrong - like asthma, high blood pressure, diabetes, overweight, pregnancy, etc. |
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