group health insurance underwriting
What will my health insurance company do regarding my coverage after I reported my preexisting condition?
Read for background:
http://answers.yahoo.com/question/?qid=20080523020104AAtB4FK
I reported to my health insurance company that I had a preexisting condition that wasn’t adequately inquired by my writing agent, which is why it wasn’t reported on the application. Now, I am waiting to talk to their underwriting dept until next week to resolve this situation. After looking over my application, I noticed that my agent didn’t go over specific areas that are quite important. Generally, he indicated that I didn’t have prior coverage, which is not true since I had group health coverage all my life. I can prove this with a CoCC, which wasn’t reported on my application, so the insurance company doesn’t know this. My general feeling is that my agent completed my application in a careless manner that might hinder my ability to receive care on my condition. Will underwriting exclude coverage on my condition despite this new info that wasn’t reported by my agent? thanks for the input.
If you are now applying for individual coverage, your CoCC won’t help you out. The proof of prior coverage and no break in coverage for less than 63 days applies only if you are going for one group employer-sponsored plan to another group employers-sponsored plan.
If you are applying for group coverage, you wouldn’t be filling out such a detailed health application so I’m assuming you are applying for individual coverage.
If you signed the application, you are responsible not the agent. The insurance company can cancel your coverage, apply a pre-existing condition limitation on the health problem they were not aware of when the application was originally considered, exclude the unreveal medical condition completely for the life of the policy and/or increase the premium. I hope this works out OK for you.
Filed under Health Insurance by on Jun 1st, 2010. 
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