Eligibility Requirements Vary on Health Insurance for Dependents

May 11, 2009

To meet eligibility on requirements for health insurance, the main
or primary applicant will have to be at least 183 days old or half
a year, and under sixty four and a half years old. The applicant
cannot at the time be insured by another health care coverage. The
applicant will have to be a citizen of the US or a foreign
resident, whom has resided in the US for a minimum of two years,
while on a visa of permanent status. Any dependants of the
applicant will have to be a minimum of six weeks old. The
application will be individually underwritten, with health history
and any dependants in mind. To have this application successfully
underwritten, the insurance company will have to obtain as much of
your medical history as you can give them. This process will be
dealt with by a medical questionnaire, with perhaps a telephone
interview. The underwriter may also set up further questionnaires
and interviews as required.

If you satisfy a portion of the current coverage that is ongoing, a
credit for past and prior deductibles may be awarded, provided it
remains in the same calendar year. The proof of deductible will be
required by way of E.O.B or explanation of benefits. Time you incur
with the prior plan may or may not be used as credit for your new
plan. State law, and you own unique circumstances, may indeed
dictate what if any will be credible points to your new plan. If
and when you decide to stop our coverage, the said credits will
then be transferred to other insurance coverage. There may be a
waiting period, with the new company and their policies, this
should be found out before you outright terminate your current
policy. You may have to show the new underwriter proof of current
policy, to get the ball rolling with the new company. Any
pre-existing medical conditions such as an injury, or illness,
which has been diagnosed, must have had proof of treatment, or at
the very most proof of continual conditions of said preexisting
conditions within twelve months, prior to new policy.

If the guidelines of the new companies policies have been met, the
company will have no problem giving full coverage, for the
condition. Not only is it illegal, but also it is not beneficial to
you not to disclose any preexisting conditions when making a claim,
or starting a new policy. Guidelines are in place to help you, and
to prevent fraud, other than that if all requirements are met,
again full coverage will follow. There is a twelve-month wait
period, for coverage on any undisclosed preexisting conditions,
provided the company does not seek to close out the policy, on
grounds of misinformation. You may opt to go the term life
insurance route, where there is a beneficiary installed, to receive
compensation by the policy if the primary dies. Between the ages of
eighteen and sixty four and a half, the maximum amount allowable is
$25,000 anyone that is in the age bracket of six months to
seventeen years of age the cap is $10,000. On the schedule page of
your policy, you will find the dates of when the policy starts and
stops, provided all premiums are met on a timely fashion.

Coverage stops as: · Maximum lifetime benefit has been met
· You do not upkeep with your premiums
· You are no longer a dependant
· You leave the US for residency elsewhere
· The main policy becomes terminated

This policy can be canceled with sixty days notice commencing on he
first of any month. When a policy is set up, the company has a team
of medical advisors that review each and every case, to determine
the best action to be followed. The team consists of psychiatrists,
surgeons and general practitioners. This team can advise you on
appropriate questions for treatment with your specialist, as well
as discuss with them any possible alternatives to treatment. Should
you require a second opinion, this will be covered, by the policy.
Please keep in mind, any final decision on treatment and care,
shall always be within the right of you and your general
fractioned. All non-notifying treatments will result in a 20%
exclusion from coverage. No benefit will be paid out if he
treatment is deemed non medical, or not necessary, and you will
receive a certificate of non-acceptance on said treatment.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.

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Eligibility Requirements Vary on Health Insurance for Dependents