Recending Policies

[TXINSURANCE]

Question Paul - will the rescision show up on her MIB?

No. Unicare doesn't report to MIB. However might have to disclose a previous rescision on another application.

Personally you should have never contacted this member in my opinion.

Secondly they are pregnant on a Unicare policy which covers NO maternity, not even negotiated rates. They do however lose two items - coverage for complications of pregnancy and guaranteed issue on the child when the child is born.

This person has two choices...

1. Get a job - good luck...

2. Go into the Texas High Risk Pool - which last year stopped coverage for maternity related expenses

 

[Golddoor]

I just got off the phone with Unicare underwriting and they even said they would issue another policy to the rescinded policy holder. Just have to re-apply with ALL the truthfull information included.

 

[Golddoor]

Also as far as liability, do health insurance companies include a copy of the app in the delivered policy? I know they do with life insurance.

 

[TXINSURANCE]

I just got off the phone with Unicare underwriting and they even said they would issue another policy to the rescinded policy holder. Just have to re-apply with ALL the truthfull information included.

Incorrect, I read earlier she is pregnant - this is auto decline.

If approved the migraines are a 5 or 10 year waiver (if she wasn't pregnant)

Also as far as liability, do health insurance companies include a copy of the app in the delivered policy? I know they do with life insurance.

Yep they sure do!

 

[Crabcake Johnny]

Yes. For extra CYA, companies like Assurant require that the client review the application then sign a document stating the app is correct and send it in. This stops a client from doing an online app with an agent and claiming she didn't know what was on the app - which wouldn't flush due to the Esignature.

 

[TXINSURANCE]

So would it even be worth it to try and fight it? She is also pregnate now as well. 6-7 months worth of prego.

This is a major problem as complications are now not covered and the child God forbid has any insurability issues (which is common) this could get sticky.

 

[Crabcake Johnny]

My wife had pretty major complications are birth and ended up back in the hospital the day she was released. I believe Scott's twins also had major issues. I would never recommend she gives birth without coverage. Start calling around - local health department, etc...and find out her options.

 

[TXINSURANCE]

Start calling around - local health department, etc...and find out her options.

The only option I am aware of is the Risk Pool. After this scenario she will love that! High rates and no maternity coverage anyhow. If she is low income maybe Medicaid? It is free to have children if you are poor and pay no taxes.

 

[BKrocko]

The only option I am aware of is the Risk Pool. After this scenario she will love that! High rates and no maternity coverage anyhow. If she is low income maybe Medicaid? It is free to have children if you are poor and pay no taxes.

In CO, I think they promote being poor and not paying taxes - just stay home and have babies for free via CHIP! A woman is automatically accepted into the program if she is pregnant and counts as two (or more) family members for family income purposes. There is little or no checking for income verification (just show last months pay check if there is one). Also - you are allowed to report your household or business expenses to offset income without any verifiable proof at all. None.

I think a program like this had to be started by Dem's - this is what they want for universal health care. They still say it is to strict and does not cover enough people (a family of five can make 50K/yr and the kids still qualify for free). Kind of funny though, it seems like there are all sorts of programs for women and children yet men are still on their own.

F bomb that - I'm getting in a life boat! I have an ore and I'm not afraid to use it.

 

[Crabcake Johnny]

I'd send her here: CHIP | Children's Medicaid

CHIP Perinatal

Texas residents who are pregnant, uninsured and not eligible for Medicaid may qualify for CHIP perinatal benefits. Coverage starts before the child is born and continues after the child's birth. Total perinatal coverage is 12 continuous months from the date the unborn child is enrolled. Benefits include: