new heath insurance - Health Insurance Issues Message Board

Katie3505 · 02-02-2004, 11:35 PM

I am switching heath companies I have been approved for with a new heath company.

Reading over the booklet, they required that I check my appoication and verify that it is correct and no false statements.

One question was if I had used drugs in the last three years, I put no. I had.

If I have a major medical cost(s), could that false statement keep them from paying thoses costs?

I will be OK in 2 years, after the "the ability of the right to investigate"

I haven't cancelled my old insurance policy...yet. I have been with the current Heath company for over 2 years.

zip2play · 02-05-2004, 03:34 PM

Katie,
It usually depends on your state, and it's often stated pretty clearly in the policy.
I THINK that the rule-of-thumb is usually that after 6 months, any mis-statements on your application cannot be used as an excuse for any non-payment.
But PLEASE, don't count on this: read your poicy with a magnifying glass and then call your state insurance regulation board. Check online for your state's internet page.

In my state, New Jersey, if you have continuous insurance that hasn't lapsed for more than 6 months....anyone who sells insurance in the state MUST take you. NJ, though, tends to be more protective of consumers than most states.