Bob wrote:
[sent check late. Got cancelled out of health insurance]
We are deeply and gravely concerned about this because my wife has
some serious pre existing health conditions that she was covered for
under the group policy. Do we have any options or rights in a
situation like this?
If you have any 'rights', the place to start looking for them is your
state's AG's consumer affairs office. IMO, due to your being a high risk,
the insurance company is glad to be rid of you and will be reluctant in the
extreme to reinstate you at your previous rate or maybe any rate.
You should also read your policy carefully to see if there is anything in
that which would allow you a reinstatement. Since all insurance is regulated
by state law, there is little generic advice possible other than the AG
consult and maybe, if you have a responsive department, your state's
secretary of insurance.
Thank you for any advice or guidance as to how we should deal with
this. It is the weekend and I will, of course, call the agency on
Monday but would like to know where I stand legally on this.
Legally you need to read your policy to determine if the company can cancel
you out for one month's failure to pay or pay late. If so, you must
determine if the cancellation clause violates any state regulation or law.
-paul
ianal
