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jan_dxtr | When changing insurance companies how can i be sure they will honor my pre-existing conditions ? |
am going to quit my job and going to use cobra for two months to stay in the 62 day period, yet how can i be sure my new insurance company will honor my pre-existing conditions when my new coverage starts with my new company |
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sarah314
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You disclose the information on the application, and make sure to provide them with the Certificate of Creditable Coverage from your prior insurance company.
As long as your new policy is a group policy, and you provide documentation showing that you had continuous creditable coverage for the past 18 months, you should be fine.
(If any claims still get held up, it should be able to be resolved with a simple phone call. Sometimes things "stick" in the system, but if you provide the creditable coverage documentation its a quick fix.) |
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CYNTHIA T
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By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.insuranceidea.info/free-insurance.htm is a good one from my own experience. |
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Insurance Pickle.com
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I guess by 'honor' you mean pay for and not exclude. You need to check with the new company to make sure. Generally going group to group is fine, but not all companies have group coverage. I have many companies that just use indiviudal coverage since it is cheaper. |
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acablue
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The only way you can be sure that your new company will honor your pre-existing conditions is to answer every question they ask you absolutly truthfully. Anything they don't ask, you don't need to volunteer, but you need to expose anything and everything they want to know.
If you do that, they are legally bound once they give you the policy. If you do not, they can evade payment citing your lack of veracity. |
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mbrcatz
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As long as it is group coverage, they HAVE to, with that certificate of credible coverage you'll be bringing them. They CANNOT count those against you, on a GROUP policy. |
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