Is an insurance able to add a family member to a pre-existing health plan without their approval?
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Is an insurance able to add a family member to a pre-existing health plan without their approval?
My father had a health insurance plan with BCBS that he was given through his employer 5 to 6 years ago. After, he had taken me off of it. This January he once again has the plan. I have Medicaid and I have had it for years. My father has never placed me under his account at any point. This past month I was notified during a doctor appointment that I have insurance under the same company and it is under his plan. I now have ton pay the deductible amount though there has been and never was an instant where my father, nor I, have EVER placed me onto his plan. Now every place I go I cannot go to the doctor because I have to pay for it and they are not able to bill my medicaid. Is this allowed?
Asked on September 22, 2018 under Insurance Law, New York
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 5 years ago | Contributor
Are you, as we assume, an adult (over age 18)? Are you legally competent (not been declared incompetent and had a guardain appointed)? If so, then no--you cannot be placed under a healt plan against your will or without you consent. Legally competent adults have the right to decide their own insurance. Contact the insurer, explain that you never agreed to be under this plan, that you insist on being removed from it immediately.
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