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DEDUCTIBLE IS NOT A DIRTY WORD
INSURANCE WAIVERS/RIDERS, RATE-UPS, & CAPPED COVERAGE
WHAT'S A “RIDER”? WHAT'S A “WAIVER”?
PRE-EXISTING CONDITIONS
WHAT'S
A “PRE-EXISTING CONDITION”?
EXCLUSIONS
WEIGHT, WEIGHT CHARTS AND HEALTH INSURANCE
AGE AND INSURANCE PREMIUM
UNDERWRITING
- WHAT IS IT?
TRIP OR HEALTH INSURANCE -- WHAT'S THE
DIFFERENCE?
AMERICAN PPOs & HMOs - WHAT'S THE
DIFFERENCE?
HIPAA / PORTABILITY INSURANCE
THE DIFFERENCE BETWEEN AN INSURANCE BROKERAGE & AGENCY
WHAT IS A “CERTIFICATE OF INSURANCE”
THE “PRE-EXISTING CONDITION” PROBLEM?
WHAT IS CO-INSURANCE?
UNDERWRITING
AT THE POINT OF APPLICATION
HOW DOES AN INSURANCE COMPANY DETERMINE
PREEXISTING CONDITIONS?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL
ENOUGH?
WHAT IS A “CERTIFICATE OF INSURANCE”
Several years ago the U.S. government passed the Health Insurance
Portability and Accountability Act (HIPAA). This bill made it possible,
among other things, for people coming off of group insurance to be able to
get individual health insurance. Previously, if a diabetic lost his/her job
and then tried to get individual health insurance, they would have been
declined. Now, if they have proof of having been insured on a group policy,
they cannot be denied coverage on an individual plan. The “proof” they need
to provide is called a “Certificate of Insurance” or a “Certificate of
Creditable Coverage.” The company that had previously provided them with
group insurance will provide them with a certificate stating how long they
have been on group insurance. If there is not a gap of more than 63 days
between the date they dropped the group insurance and take out the new
insurance, they will automatically be accepted for coverage on the HIPAA
plan offered by the insurance company. Providing a “Certificate of
Insurance” also enables an enrollee in a group plan to avoid a 12-month
waiting period before pre-existing conditions are covered.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
