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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 lines 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.

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โˆ™ 2011-09-12 14:56:58
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Q: Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
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Related Questions

Will bcbs deny you with a pre existing condition?

If your spouse is a cancer patient and on COBRA with your former employer until you get new group coverage with your new employer does the pre-existing condition rule apply to you? My former employer has United Healthcare Insurance, and my potential new employer has Blue Cross Blue Sheild Health Insurance.

If you go for a checkup and get diagnosed with a serious illness can your employer still give group insurance coverage?


Is ulcerative colitis a pre-existing condition?

Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.

What is the policy for changings jobs and having a pre existing condition?

This depends on whether or not your new employer will be providing you with coverage. If the new employer will provide you with group coverage, then you will have an exclusion for 1 full year from the effective date of the new coverage. During this first year, you will have limited coverage for the pre-existing condition. After 1 year, the pre-existing condition will be covered at 100%.If your new employer is not providing you with a group plan than you will need to obtain individual coverage. Individual Disability coverage is fully underwritten and will likely exclude any pre-existing conditions. If the condition is severe enough, you may even be declined coverage.

Why is it benefical to have health coverage and benefits from your employer?

Perhaps the most beneficial reason is that someone else is paying all or a portion of your health insurance costs for you. Even if your employer pays 50% of your health insurance cost that's 50% less that you don't have to pay directly out of your pocket with post-tax $. Employer coverage is definitely a lot more limited on the choices of benefits & plans as opposed to the myriad of choices available if you were purchasing it on your own. Another great benefit of employer coverage is that you don't have to go through 'medical underwriting' to qualify to enroll in the employer plan as you would have to for non-employer coverage in most states. In other words, you can't be denied enrollment into your employer health coverage based upon your existing health conditions or risk.

How can you continue getting insurance coverage for the pre-existing condition of terminal cancer after a divorce if the policy is in your husband's name?

the first way to do this is to obtain COBRA coverage. When your divorce became final, your ex-spouse was able to drop your coverage. Federal law is that all insureds can continue coverage with COBRA. Your insurance company or ex-spouse's employer should have sent you paperwork explaining what your rights are. But be aware, with COBRA, you are paying the full premium for the continued coverage.

If you are covered under your spouses insurance and get a job that provides insurance with no lapse in coverage is any medical condition you have considered pre-existing?

No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.

No rental insurance damage to rental car?

Renters wanting such coverage should check with their existing car insurance as their existing insurer may be able to add it to their regular yearly policy for a small premium. This provides coverage from an insurance company that they know, instead of unregulated (from insurance standpoint) car-rental outfit, which offering you may understand less.

Can an employer drop insurance without notifying employees and employees continue to pay for insurance not knowing it has been dropped?

If such a scenario arises, the employer should be procecuted under the existing law of the land. A case has to be registered by the employees against the unscrupulous employer for cheating.

What are an insurance agent's duties?

Agents order or issue policies, collect premiums, renew and change existing coverage, and help clients with questions or problems related to coverage.

What is the average rate for a life insurance?

There is no average rate for life insurance it is dependent of pre existing health conditions as well as the age of the person purchasing the coverage.

Where can you get travel insurance with neutropenia?

Most travel insurance coverage does not include coverage for cancellation for pre-existing conditions. However, some, such as TravelSafe, waive the pre-existing condition clause if you buy your travel insurance within 14 to 21 days of making your travel arrangements and paying your deposit. Check with your Travel Agent that sells your trip and arranges your travel insurance for specific details.

If you lose your job and primary health insurance but are also covered through your spouse's group plan are you still eligible for COBRA?

That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.

What is pre-existing condition mental illness?

It means a person has a mental illness already prior to applying for insurance coverage. Pre-existing has to be "known". 4ligeguild

Can you be denied group health insurance if you have genital herpes?

With the passage of the Affordable Care Act (Obamacare), pre-existing conditions are no longer a barrier to health insurance coverage.

Change of insurance due to jobs. When will my existing insurance expire.. end of the month... the next month?

Check with the Personnel Office of your previous employer.

What are the key benefits provided by Atlas Travel Insurance?

There are many key benefits that are provided by Atlas Travel Insurance. They have guaranteed acceptance, coverage for pre-existing conditions, 100 percent coverage for injury outside of U.S., and many others.

How does insurance SR22 work with your auto insurance?

As dualistic insurance coverage is not permitted by the DMV, you must first consult your existing insurer when buying SR22 insurance. SR22 insurance serves as proof to the state that your are taking financial responsibility for your vehicle.

Hidden Insurance Problems Caused by Pre-Existing Conditions?

Pre-existing heart conditions, such as heart disease, are a headache for insurance companies as well as individuals. For heart patients, insurance companies may deny coverage so as not to lose money. Even when coverage appears to be granted, hidden exclusions may appear in some individual insurance plans. These include not covering a congenital defect even though the insurance company may not deem it congenital, and including previous health insurance plan coverage toward a new plan's lifetime limit of coverage. Both hidden exclusions are illegal under group plan policies.

Does insurance cover preexisting conditions?

Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: # Exclude the pre-existing condition from coverage, but offer other benefits as usual. # Place a 24 month moratorium (or waiting period) on the coverage of the condition. If the policyholder receives no treatment during the moratorium, the condition may be reconsidered for coverage. # Cover the condition by increasing the plan premium. This may not be applicable for all pre-existing conditions. # Cover the condition under a Medical History Disregarded benefit (MHD), which is typically only available to group coverage where 20 or more members are enrolled. There are no industry wide standards for dealing with pre-existing conditions, and each insurance company will provide coverage, or not, in their own way.

What is considered a pre existing condition?

A pre-existing condition means a condition that has existed already. For example, you try to purchase life insurance and you have cancer. The insurance policy may deny coverage for medications or treatments as the cancer existed prior to the purchase of the policy.

how do I get insurance on a travel trailer?

Contact the company that provides the coverage on the towing vehicle to get quotes for the travel trailer. Because of your existing policy, it will be easier for you to obtain additional coverage with a possible discount for multiple products.

If you are covered under medical insurance with the exsiting job and switch jobs while pregnant will the new medical insurance cover you?

Typically yes. HIPAA allows you to be covered for pre-existing conditions if there is no break in insurance coverage. If your prior coverage didn't cover deliveries, the question may or may not be more complicated. Contact the Insurance Commissioner's office in your state.

What is the best medical supplemental insurance?

The amount and type of insurance coverage should be determined by your age and existing or future medical condition. Insurers are rated by the company called Bests Rating Service.

You are 33 weeks pregnant and your insurance runs out at the end of the month-if you switch insurance will the rest of your maternity costs be covered by new insurance?

Finding insurance for pregnant women is not always easy because pregnancy is considered a pre-existing condition. If you dont have coverage before you become pregnant, finding coverage can be is an article that can help you find affordable health insurance while pregnant and get you the coverage you need.