Will my current health insurance company add an exclusion rider if I change plans?
July 1st, 2009 | by The Broker |
yendis asked:
I’m looking to update my health insurance coverage. I received an offer from a different company than I’m currently with, however they have included an exclusion rider. My current health insurance covered what this other company is excluding. If I contact my current health insurance company and change my plan (rather significantly), is it likely that they will use this chance to also add an exclusion rider?
I’m looking to update my health insurance coverage. I received an offer from a different company than I’m currently with, however they have included an exclusion rider. My current health insurance covered what this other company is excluding. If I contact my current health insurance company and change my plan (rather significantly), is it likely that they will use this chance to also add an exclusion rider?
It is more than likely that I won’t need to go in for anything excluded as my treatment is over, however if I can get insurance without the rider, all the better.
My new plan would have less benefits and a much higher deductible.
3 Responses to “Will my current health insurance company add an exclusion rider if I change plans?”
By Zarnev on Jul 4, 2009 | Reply
If you getting a policy that has richer benefits (such as a lower deductible) you will be underwritten again for the better policy; so it is possible they’ll put a rider or charge you more for that condition. Each insurance company will possibly do something different so no one here will know for sure. If the policy does not have richer benefits they won’t underwrite you. You need to ask your agent for more information.
By mbrcatz on Jul 7, 2009 | Reply
Yes, they will most likely ALSO exclude any preexisting conditions, switching from one plan to another.
By jimmy z on Jul 9, 2009 | Reply
healthplans.my-age.net – here is my health insurance plan. As I remember they can provide such a service.