by Guest » Tue Feb 09, 2010 10:30 am
I've always opted out of the health insurance plans that are been offered to me by my insurer.
This year, I've been informed that my employer's gonna sign up with a plan which is supposed to be a "must" for all of us.
Till now, I have been covered under my husband's policy, but according to my insurer this time I'd be left with no coverage if I don't accept their
coverage.
What do I do now? Can they really do such a thing? GodfreyGordon
This year, I've been informed that my employer's gonna sign up with a plan which is supposed to be a "must" for all of us.
Till now, I have been covered under my husband's policy, but according to my insurer this time I'd be left with no coverage if I don't accept their
coverage.
What do I do now? Can they really do such a thing? GodfreyGordon
Posted: Sun May 20, 2012 12:52 am Post Subject: DFuNvuJDGRurEy
No. Because the policy extiss PRIOR to the illness. If the illness extiss PRIOR to the coverage then the condition is pre-existing. Your example is exactly what insurance is designed to do cover you for new and unexpected health conditions and injuries. Insurance is not designed to cover things you already need.It doesn't make your insurance go up but it does make everybody's' health insurance increase either everybody in the company OR everybody on that plan in your state. That's why one of the reasons health insurance is so expensive is that people who are overweight usually develop health problems .like diabetes. Lots of people overweight > lots of health problems > lots of cost that needs to be beared by everyone .
Posted: Thu May 31, 2012 11:48 pm Post Subject:
Q: Can an employer REQUIRE an employee to be within their group health plan?
A: Absolutely YES
Explanation: If a plan is installed that is referred to as a "non-contributory" plan, that means that the employer pays 100% of the premium for the employee. Insurers generally require that 100% of the eligible employees be in the plan. Since the employer is paying the full premium and it cannot hurt the employee in any manner, it's a goooood thing. So YES, it can be a requirement that an employee be covered by the group plan.
Next: this absolutely inane and inaccurate statement from the OPs employer or insurer, not sure really which (I think the employer):
Till now, I have been covered under my husband's policy, but according to my insurer this time I'd be left with no coverage if I don't accept their
coverage. What do I do now? Can they really do such a thing? GodfreyGordon
Short answer? No, they can't. The HR person is an idiot. There's absolutely no legal reason that a person cannot be covered by more than one group policy. You can "opt out" of your group coverage if you can prove group coverage under your husband's group plan. Secondly, if you DO have coverage under more than one group policy, in the event of a claim, the insurers will simply apply what's known as a "coordination of benefits" provision to the loss. This simply determines which insurer is "primary" and which insurer is considered "secondary" or "excess."
This cannot hurt you. There are no taxable implications under normal circumstances and you may be able to get just about all of your claim paid, minus your deductibles (if any apply in your plan).
I've learned over the years that many HR departments don't have a CLUE of state law and rule.
InsTeacher 8)
Posted: Wed Jun 06, 2012 12:00 pm Post Subject:
Nowadays, companies are providing insurance policies to their employees as in some of the nations it has been done mandatory and in addition to tht the employer also earns some benefits. Now as far as personal health insurance is concerned, no such insurance company has the right that it may force its client to take the plans offered by them forcefully and such warnings like the company will collapse or terminate the coverage is just an act of fearing the client and nothing else.
Add your comment