| My new insurance company wants a letter to prove previous coverage
dates
because they back charged my new employer with a month of coverage for
which I was already covered by my previous employer. The new Insurance
Co. insists that the proof of insurance letter is required by law and
must come from my previous Insurance Co. |
| Marcel Popescu wrote: Why should the healthy
people pay the insurance of the sick ones? Do you think that a
stunt man and a housewife should pay the same insurance rates? |
| They should, however, be able to accept a copy of the declaration page
(the first page, the one with all the coverages on it) from that policy
period as proof. This would be even more reasonable than a letter. If
you or your employer dont still have it, your former insurance company
or agent should provide it with no problem. In fact, a customer service
operator at your former insurer should even be able to fax it to you
straight from their computer terminal. If you call and ask nicely for a
copy of your dec page from that policy period. I am sure it is law in
every state that they provide this. I cant imagine that it wouldnt be. |
| My recommendation for the insurance industry is that all the
numbers and policies about treatment should be public, so that
potential customers have the information to be informed. |
| 4. Concerning your right to sue the insurance company if they
dont come thru, in most cases you will collect only the cost of
the service they refused to provide. Consider the statistical
implications of this. Say the company provides to provide 3
treatments you need, because theyre experimental or whatever.
You survive the first two, but lack of the 3rd kills you. If your
heirs sue and win, they will recover only the cost of that 3rd
treatment that should have been performed. This makes it just
good business for the company to pay as little as it can.
Remember that the companys legal duty is to make as much money as
possible for its shareholders. Some are quite successful; one of
the richest men in the US a few decades back got that way by
selling insurance policies to poor people. |
