| 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. |
| They just dont want to do the work. And, they may be afraid that such a
letter might be inadvertently worded so as to assume more liability on
their part. Insurance companies are ultra paranoid about liability. It
is the nature of what they do. Some will do some seemingly ridiculous
things because of this. |
| mabb2000@my-deja.com wrote:
Ted Rosenberg wrote:
As far as I know, most do not - if you know of any, please notify me
and I will check them out.
Check these sites. More states may have been added, some states may
have dropped it, and some states may have more restrictions than others.
Current info should be obtained directly through the individual state
to see if a risk pool exists. Insurance carriers such as Blue Cross may
be able to direct consumers to the risk pool in the individual state if
the state has a risk pool.
http://www.healthinsurance.org/riskpoolinfo.html
Lousy site - gives textbook definition of risk pool and link to
insurance sales site |
| 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. |
