Renewal and Reinstatement Provisions in a Health Insurance Policy
The “renewal” and “reinstatement” language typical in a health medical insurance policy are discussed
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Policy Time Limits on Certain Defense or Incontestable Provisions
The typical “incontestable” and “gave period” language contained in a health medical insurance policy are explained.
→ Read MorePre-Certification of Treatment by Health Insurance Company
Certain medical treatment must be pre-certified by your health medical insurance company in advance of treatment.
→ Read MoreLife Insurance Rescission: 5,000 Policies Canceled Every Year
Life insurance rescission is common. Nearly 5,000 life insurance policies are rescinded every year – saving the insurance industry billions of dollars.
→ Read MoreWho regulates health insurance companies?
Are there any government agencies that regulate how health insurance companies or plans operate?
→ Read MoreWhat is a health insurance policy?
What is a health insurance policy?
→ Read MoreMaking Claims with More Than One Insurance Company
Having duplicate health insurance coverage which is a problem for insurers is discussed.
→ Read MoreWhat are “definitions,” “benefits,” “limitations,” and “exclusions?”
What are ‘definitions,’ ‘benefits,’ ‘limitations,’ and ‘exclusions?’
→ Read MoreCan I cancel my health insurance, and will there be a penalty or adverse consequence?
Can I cancel my health insurance, and will there be a penalty or adverse consequence?
→ Read MoreContinuation of Coverage When Premium Is Not Paid by Premium Due Date
An insurance policy lapse is a termination of coverage that occurs when a policyholder fails to make the required premium payments. After a policy lapses, no benefits are payable because the coverage has terminated. Sometimes, however, there are circumstances when, even though you are late or delinquent on the payment of premium for your individual health insurance policy, your coverage may still be extended. We will discuss these situations so that you know and understand your rights.
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