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Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
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.
What else can I help you with?
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 have a pre existing condition and your employer changes insurance carriers can they deny coverage for treatment?
In general, under the Affordable Care Act, insurance carriers cannot deny coverage for pre-existing conditions when you switch insurance plans, including if your employer changes carriers. However, specific details may vary based on the new plan's coverage options and network. It's essential to review the new policy and consult with the HR department or insurance representative for clarification on coverage for your particular condition.
What are the options for obtaining health insurance coverage for pre-existing conditions?
There are several options for obtaining health insurance coverage for pre-existing conditions, including employer-sponsored plans, government programs like Medicaid and Medicare, and the Affordable Care Act (ACA) which prohibits insurers from denying coverage based on pre-existing conditions.
If you go for a checkup and get diagnosed with a serious illness can your employer still give group insurance coverage?
AS LONG AS YOU WEREN'T DIAGNOSED BEFORE YOU HAD INSURANCE. IT WOULDN'T BE CONSIDERED A PRE-EXISTING CONDITION IF YOU WERE UNAWARE OF IT UNTIL AFTER YOU RECIEVED THE GROUP INSURANCE.
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.
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.
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.
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
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 the look back period for insurance coverage?
The look back period for insurance coverage is the timeframe during which an insurance company reviews an applicant's medical history to determine coverage eligibility and potential pre-existing conditions.
Are pre-existing conditions covered?
The coverage of pre-existing conditions depends on the type of insurance and the specific policy terms. . Disability Insurance Disability insurance policies might exclude coverage for disabilities resulting from pre-existing conditions. This exclusion can apply for a certain period (e.g., 12 or 24 months) after the policy is issued. The specific terms depend on the insurer and the policy. . Life Insurance Life insurance companies often consider pre-existing conditions when determining premiums and eligibility. Applicants with pre-existing conditions might face higher premiums or coverage exclusions, or they might be declined coverage altogether.
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.
How does the Affordable Care Act address the issue of pre-existing condition exclusions in healthcare coverage?
The Affordable Care Act prohibits health insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. This means that individuals with pre-existing conditions cannot be excluded from obtaining health insurance coverage under the law.
