by Guest » Tue Jan 20, 2009 11:23 am
My health insurance is through my employer but I'm seriously considering canceling health insurance since their rates are way to high. Can i cancel my health insurance anytime I need? or, there isn't anyway out of it? :(
Posted: Thu Aug 30, 2012 04:51 pm Post Subject: Cancel Insurance policy
if you cancel your insurance at the beginning of the next payment. Do you still have insurance for any time until you find new?
Posted: Fri Aug 31, 2012 02:35 am Post Subject:
if you cancel your insurance at the beginning of the next payment.
If you die today, can you plan your funeral tomorrow?
Posted: Thu Sep 06, 2012 03:19 am Post Subject: cancelled by your company you worked for
My sister in law had a massive stroke and the company she worked for terminated her and dropped her insurance.
She will never be able to return to work and now has no health insurance and is still under dr. care and therapy that is very costly. She is in a home and can not do anything for herself. Is this legal for them to cancel her from her policy?
Posted: Thu Sep 06, 2012 03:12 pm Post Subject:
Is this legal for them to cancel her from her policy?
If she is no longer an employee, she has lost the privilege of group health insurance. She had the right to continue the group plan (at the full cost of the group plan) under the continuation privilege provided by COBRA. COBRA continuation must be elected within 60 days of a qualifying event (such as termination of employment).
Your sister-in-law is most likely eligible for assistance under the Medicaid program in her state. A large portion (possibly all) of her health care expenses may be paid for by Medicaid. She should apply for Medicaid assistance immediately. Depending on her assets and income, she may or may not be immediately eligible for coverage.
If she is confined to a long-term care facility of any kind, they can assist with the Medicaid application process (they may have already started it for her). Just ask them about it. Depending on her age, she may also be eligible for Social Security Disability benefits. After two years of SSDI benefits, she would become eligible for Medicare. If under age 65, she (or someone on her behalf) needs to apply for SSDI immediately, too.
Posted: Tue Jan 29, 2013 02:45 am Post Subject: Obamacare in bed with insurance companies
2014 We are all screwed
Posted: Tue Jan 29, 2013 03:56 am Post Subject:
What was your first clue?
Posted: Tue Jul 16, 2013 08:53 am Post Subject: About Health policy cancellation.
Card No.[deleted].Myname is K.NaveenReddy. policy activated my card without any intimation.Policy Loan No.[deleted]-.Whichisconverted for24 Months.I want to Cancelled thePolicy.Please do the Needfull.
Regards,
K.Naveen Reddy.
Posted: Tue Jul 16, 2013 01:35 pm Post Subject:
We are not your insurance company. You cannot cancel your insurance here. Call your insurance company directly.
Posted: Sun Aug 11, 2013 06:10 pm Post Subject: cancelling employer health insurance
I began receiving (and paying for) Medicare Part B in July. My Home Depot health insurer (Aetna) will not allow me to cancel until open enrollment in November, so I am paying for BOTH! Can they refuse to allow me to cancel until then?
Posted: Sun Aug 11, 2013 10:21 pm Post Subject:
Eligibility for Medicare is normally a terminating event for group insurance and is a qualifying event under COBRA for your dependents, and you should be able to terminate the group insurance for that reason. If for some reason the employer-sponsored plan forces you to remain covered until the next enrollment period (I don't know why they would, it leaves them as your primary insurer), then you should reject Medicare Part B until November when you have the option to leave the employer-sponsored plan.
You can reenroll in Medicare Part B without a premium penalty because you have creditable coverage. But you have to time your enrollment properly to avoid a coverage gap.
Do you have a copy of the "Summary Plan Description" (SPD) for your benefit plan? The explanation of coverage will be there. If you don't have a copy, your employer is required to provide you one on request. Be sure to make a written, dated demand for your copy of the SPD. There is a potential penalty of up to $110 per day for every day of delay in providing the document after 30 days. Be sure to send the request to the "Plan Administrator".
You can also contact the US Dept of Labor, Employee Benefits Security Administration. They have regional offices in many, but not all, states. Find the one closest to you and call them.
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