I was insured under my husband’s plan for roughly 4 years. This January, his insurer placed a stop loss on my account. Long story short, it was determined that I would need to enroll for benefits with my own employer and receive secondary coverage through my husband’s. My husband’s insurance has agreed to continue to cover me as primary until the matter is settled.
This was all well and good, until I had to declare a qualifying life event to enroll with my employer.
My employer needs a termination letter from the previous insurance that specifically states the effective date of my termination. However, the previous insurance does not want to put an effective date because 1) they are still covering me in the interim and 2) they will continue to cover me as a secondary insurer. They state that putting an effective date on the letter opens them up to “liabilities.” My employer is covering me now but I have to provide verification (aka the proper termination letter) within 30 days or my enrollment with them will be void. So I’m stuck. My employer mentioned something about an appeal if the termination letter is not received, but I can’t afford to have a lapse in coverage.
My question is this: Is the previous insurer being unnecessarily difficult? What are the liabilities they are concerned about? I am currently covered by my employer during this interim period and that was explained to them. I asked if they could terminate everything, including secondary coverage just so I could properly enroll with my employer, but they said I need to be patient as they navigate this difficult situation. There’s just over a week left until the verification deadline, so I’m getting nervous that this won’t be settled before then. Any insight is appreciated.
submitted by /u/insurancedilemma
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I was insured under my husband’s plan for roughly 4 years. This January, his insurer placed a stop loss on my account. Long story short, it was determined that I would need to enroll for benefits with my own employer and receive secondary coverage through my husband’s. My husband’s insurance has agreed to continue to cover me as primary until the matter is settled. This was all well and good, until I had to declare a qualifying life event to enroll with my employer. My employer needs a termination letter from the previous insurance that specifically states the effective date of my termination. However, the previous insurance does not want to put an effective date because 1) they are still covering me in the interim and 2) they will continue to cover me as a secondary insurer. They state that putting an effective date on the letter opens them up to “liabilities.” My employer is covering me now but I have to provide verification (aka the proper termination letter) within 30 days or my enrollment with them will be void. So I’m stuck. My employer mentioned something about an appeal if the termination letter is not received, but I can’t afford to have a lapse in coverage. My question is this: Is the previous insurer being unnecessarily difficult? What are the liabilities they are concerned about? I am currently covered by my employer during this interim period and that was explained to them. I asked if they could terminate everything, including secondary coverage just so I could properly enroll with my employer, but they said I need to be patient as they navigate this difficult situation. There’s just over a week left until the verification deadline, so I’m getting nervous that this won’t be settled before then. Any insight is appreciated.
submitted by /u/insurancedilemma [link] [comments]Read Morer/HealthInsurance