We received the letter today that it was cancelled as of Nov 1st (they hadn't paid Nov or Dec). He hasn't asked them about it yet so we're looking into our options.PLUS I thought I heard we only had 60 days if preexisting conditions. Are THEY still liable since they offer medical insurance?
2007-12-26 15:47:11 · 5 answers · asked by Hayseedless 5 in Business & Finance ➔ Insurance
Due to HIPAA guidelines which is a Federal regulation, there can not be a lapse of coverage exceeding 63 days. I would suggest contacting the insurance carrier and see about converting to a HIPAA plan within that timeframe if the issue with your husband's employer can not be resolved. Just keep in mind the timeframe. As far as what they have done, especially if your husband has paid a portion of the premium for the months they have not paid, I would contact the labor board and file a complaint.
Good luck!
2007-12-26 16:54:05 · answer #1 · answered by DP_CA_AGENT 2 · 1⤊ 0⤋
You have 63 days to switch to a new plan and not have exclusions for preexisting conditions.
Now that you know there's no coverage, they aren't on the hoook any more - but they ARE on the hook for any medical expenses incurred since Nov 1st. However, if they can't afford to pay the insurance premium, dollars to donuts, they'll go bankrupt without paying any of YOUR expenses. You'll have to sue them for it, and get in line.
Taking money from the paycheck and not paying the bill is usually illegal. You can file a complaint with your state labor board. And start looking for a job TODAY. Failure to pay the insurance tab last month, usually means failure to meet payroll next month.
2007-12-27 01:36:12 · answer #2 · answered by Anonymous 7 · 2⤊ 0⤋
You may want to contact the Dept. of Labor if you don't get a satisfactory answer from his company.
Each state has its own laws, but generally speaking 60 days is the period before a new company considers pre-existing conditions.
You also will be liable for any doctors or pharmacy charges incurred during that time.
Hope you're able to get it worked out.
2007-12-26 15:55:32 · answer #3 · answered by Butterfly Lover 7 · 2⤊ 0⤋
The HIPPA Law should apply to you. "To amend the Internal Revenue Code of 1986 to improve portability and continuity of health insurance coverage in the group and individual markets, to combat waste, fraud, and abuse in health insurance and health care delivery, to promote the use of medical savings accounts, to improve access to long-term care services and coverage, to simplify the administration of health insurance, and for other purposes". You can refer to the website here http://www.cms.hhs.gov/HIPAAGenInfo/Downloads/HIPAALaw.pdf for more information. You should get some kind of protection like Hospital Coverage just in case you need the coverage. Hope this would help!
Nancy L.
2007-12-26 17:53:08 · answer #4 · answered by Nancy L 1 · 2⤊ 0⤋
visit http://www.premierinsurancequote.com
2007-12-26 20:51:30 · answer #5 · answered by lgcc 1 · 2⤊ 0⤋