...the policy if you keep up the payments? Do you have to be approved as a new policy holder or can your previous status remain in place? If you had to be approved as a new policy holder, despite having been under the insurance before, could you be denied coverage for an existing medical condition, even though you received coverage for it when you were covered under your partner's plan? Has anyone had experience with this sort of situation?
2007-11-26 05:49:19 · 12 answers · asked by Jack B, goodbye, Yahoo! 6 in Health ➔ General Health Care ➔ Other - General Health Care
My daughter's ex significant other promptly took her name off his insurance!! She has had to get her own separate policy and put on a rider for her daughter.
Check it out with your insurance company.
2007-11-26 06:38:19 · answer #1 · answered by Nana Lamb 7 · 3⤊ 0⤋
Corbra may allow you to keep up the payments for a limited time, yet you pay all the premium. And I am not even sure if you can do that.
If you are married then insurance usually can stay unless there is a divorce. I think however she can go in there and have you removed from the plan. Married or not.
As far as pre-existing goes...one would need not to have a lapse in insurance for the new company to pick up the condition. If there is a lapse there is generally a 6 month waiting period before it will cover anything other than regular checkups, colds ect.
I would suggest this person get insurance ASAP and get the old company to give them a letter of coverage to give to the new company. This proves there is no lapse in coverage.
2007-11-26 13:57:29 · answer #2 · answered by queen of snarky-yack again 4 · 4⤊ 0⤋
The first two responders pretty much nailed it for you. Whether or not you stay covered will be the choice of the policy holder. This would be one of many good reasons for a respectful parting of the ways, and possibly help you be more generous about the many things that might be considered community property. Other than the obvious material reasons for keeping as civil as possibe is the fact that the two of you had to have had things that you admired about each other, and why lose a friend because a romantic relationship is not working. Just make sure you keep the computer!
2007-11-26 16:54:26 · answer #3 · answered by One Wing Eagle Woman 6 · 5⤊ 0⤋
If the insurance is through your spouse's employeer, you will no longer be eligible for coverage if you two divorce. If it is a private policy you will have to get your own policy. Technically you will be covered under the existing policy until open enrollment time period unless your spouse files to have you removed under the special circumstances section of the policy, which allows removal for divorce.
You could be denied coverage for pre-existing conditions for up to 12 months under your new policy. Not all plans are like that, so check around for one that does not have a waiting period for pre-existing conditions.
Your best bet is to get a copy of your insurance policy and read through it. It will tell you exactly what happens to covered dependents in cases of divorce. I wouldn't call the ins. co though. That will just bring it to their attention and they'll red flag your account
2007-11-26 13:57:41 · answer #4 · answered by mamak2327 3 · 2⤊ 0⤋
All I can help you with Jack is that after my divorce I was able to stay with the same insurance co. but of course paid my own premiums. I had extensive medical conditions while married and this did not keep the company from denying me coverage.
Not all insurance companies are the same though. I would call your company and ask them.
2007-11-26 15:01:08 · answer #5 · answered by gabeymac♥ 5 · 3⤊ 0⤋
I know that if my husband and I split up, I would no longer be eligible to be on his insurance. I think they would be required to offer Cobra, which is government sponsored coverage that costs way more than regular insurance. Cobra is offered for 18 months, I think, to give you time to find other insurance with no loss in benefits or coverage.
2007-11-26 13:58:01 · answer #6 · answered by Debbie B 2 · 2⤊ 0⤋
well, I'm not an insurance agent but if you don't hold the policy chances are you won't be covered and you will have to apply on your own
better check with the insurance company
2007-11-26 13:59:17 · answer #7 · answered by mrmilo02020 3 · 2⤊ 0⤋
You may stay on your spouse's insurance having a preexisting condition for 36 months following divorce.
I'm not sure how this applies to "significant other," however.
This link may be helpful:
http://www.divorcenet.com/states/california/maintaining_health_insurance_after_divorce
2007-11-26 14:05:17 · answer #8 · answered by Lydia 5 · 4⤊ 0⤋
you should be able to stay on as long as the person with the insurance carrier wants you to. I know with my company if your on your spouses insurance you cant kick them off until your divorced. Not just if your separated.
2007-11-26 13:53:34 · answer #9 · answered by fireprincess010 1 · 3⤊ 0⤋
No fxcking clue.
But you know what? This is the first time in years that I've thought, "I wish my Mommy were here."
...She's an insurance agent, and would probably know all that nice insurance crap to help me totally OWN this question.
Hope you find what you need, love :]
2007-11-27 22:03:28 · answer #10 · answered by Anonymous · 1⤊ 0⤋