I applied for insurance, but the H.R. person of the company forgot to send the application to the carrier to be process now what should i do? I'm in the hospital with no insurance. Is there something the brokerage of my company or company can do?
I'm writing this as we speak.
2007-12-20 10:14:58 · 6 answers · asked by Anonymous in Business & Finance ➔ Insurance
If the company where you work is large enough to have an H.R. Department then there are a couple of possibilities--your application will be faxed or e-mailed to the health insurance company along with a letter explaining the error and the insurance company will issue the policy with coverage backdated to the date of your original application. Or the insurance company will decline to backdate coverage and will issue effective date of receipt. If this happens more than likely the company that you work for has coverage for errors and omissions committed by the H.R. Department.
In terms of pre-existing conditions, this is usually not an issue with large group policies, i.e. even if you are in the hospital due to an ongoing medical problem they will not decline you due to a pre-existing condition.
For now concentrate on getting well, I believe this will work out for you and if it doesn't you will have the time to obtain the services of an attorney.
Good Luck
2007-12-20 11:14:45 · answer #1 · answered by Margarita D 6 · 0⤊ 0⤋
Pinky nailed this one.
unless you're the CEO or the HR person's manager [in which case, prepare for a lawsuit].
as long as you're an ordinary worker bee, you intended to join up and your employer accepted your paperwork. That completes the offer-acceptance cycle and you're legally a member as long as you meet the usual criteria.
That company did not forward the paperwork to the insurance carrier is between them and the insurance co.
***
of course, if the usual criteria may include no coverage for pre-existing conditions and insurance company discovers you knew about this condition before becoming an employee of the company -- then, you're likely not covered at all and there is nothing you can do about it.
[You are in America, right?]
2007-12-20 10:24:42 · answer #2 · answered by Spock (rhp) 7 · 0⤊ 0⤋
When you signed up for the insurance, your HR representative should have given you a pink carbon copy of your enrollment form. This copy acts as evidence of coverage until you actually have your member ID card in your hand.
As long as it hasn't been too long, your employer can easily backdate your coverage with the insurance carrier (they do it all the time). So, you really don't need to worry.
Get well soon!
2007-12-20 11:13:37 · answer #3 · answered by Sue 3 · 0⤊ 0⤋
There's probably not much you can do from the hospital, other than get yourself well.
However, when you are feeling better, your HR department better clear this up with the insurance carrier. If they are unwilling or unable to do so and it is clearly their error, then you should take your company (and the HR person, personally) to court. Be sure to get yourself a good lawyer, you're going to need one.
2007-12-20 10:20:34 · answer #4 · answered by Angie 6 · 0⤊ 0⤋
A letter should be sent to show that there was a mishap...or mistake not on your part but on thiers....this should be sufficient in getting the insurance problem alleviated....it would fall under special circumstances....but more than likely you will have to speak with one of the insurance representatives....
2007-12-20 10:18:39 · answer #5 · answered by Anonymous · 0⤊ 0⤋
The HR person is in deep doo. You are safe. Call his/her manager asap.
2007-12-20 10:18:13 · answer #6 · answered by pinky 4 · 0⤊ 0⤋