The answer depends on a few factors. If the self-obtained insurance is a HIPAA compliant plan (Creditable Coverage) and the gap between the two plans is less than 63 days, you should be able to avoid any pre-existing conditions caluses in the new employer's coverage. (As long as you had it longer than the pre-x period - 6 months?) If it is beyond 63 days or the self-obtained plan is not HIPAA compliant, expect to be subject to the pre-existing clause(s). I think that will be your primary exposure. 30 page explanation from Dept. of Labor on HIPAA Portability http://www.dol.gov/ebsa/pdf/consumerhipaa.pdf
Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer
Short term health insurance is temporary coverage designed to fill gaps in coverage. Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, so if that is the case then you may want to look into it.
The premium is the dollar amount paid in exchange for insurance coverage.
“Have colon cancer, getting chemo and employer dropped insurance coverage and COBRA is $700/month.”
Generally insurance coverage should be offered to an employees spouse. It does not matter if they are offered coverage from their employer whereas it provides an additional option in case 1 plan is more affordable than the other.
The "Premium" is the amounts paid for an insurance policy.
Generally yes. Most employer coverage is guaranteed issue. If you applied for an individual coverage and were denied for underwriting reasons that should have no effect on the employer plan. In fact, it is common for someone with an uninsurable condition to make the availablility of health insurance a prime consideration when looking for a new job for this very reason.
The term is "premium".
This is determined by the employer who is paying the premiums for coverage. If there is a local domestic partnership registry available, then the requirement is usually a certificate of registration of domestic partnership. Otherwise, the requirement can be merely a notarized affidavit of domestic partnership in a format prescribed by the employer. Assuming the policy that has been purchased by the employer offers domestic partner coverage, then the insurance company will provide coverage to anyone that the employer says is the worker's domestic partner. The insurance company will then charge the employer more for that worker's coverage.
The Cobra health insurance temporarily extends the coverage by your sponsor or employer. This implies that you can get it after a loss of a job or loss of benefits.
The amount that is paid for any kind of insurance is called "premiums". The same term applies whether an employee or employer pay for the insurance.
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.
It is called a premium.
No, an employer cannot harass their employees into dropping coverage. It is not the employers business to get involved in the personal insurance details of their employees.
Insurance companies have the legal right to terminate insurance coverage when the monthly premium is not paid as agreed.
No. The Employer must notify you.
No. See link for citation.
No. Keep in mind that insurance coverage is very expensive and the employer, as a rule bears the largest amount.
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
Cobra is the health insurance taken by an individual to replace his employer subsidized health insurance while shifting between two jobs, in order to maintain his status of continuous coverage.
Once per year, individuals who receive health insurance through their employer have the option to change their coverage or keep their current coverage.