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| *Women health>>>Health Insurance |
Question concerning health insurance??...? |
right now i cant afford to pay the $100 every month for my insurance and obviously want to stop paying it, but someone told me that once you cancel your insurance they dont let you back on. im on bluecross blueshield. is it true that its hard to get back your insurance? They don't HAVE to let you back on. You would have to reapply. If you have any health issues, or if you develope any health issues, they likely won't let you back on. Source(s): agent, 21+ years yes... Its going to be manditory so keep it. if you can't afford it ask for assistance. Many employers have times during the year where they have a sign up period it is possible they may make you wait until that time to sign up. If a $100 is too much to afford I would look into a state subsidized heath insurance they many times will match how much you pay to the amount you can afford. I would keep your insurance until you find a better option though or you might really end up in trouble. But to answer your question no BlueCross Blueshield will accept you back any time you choose to pay the premium, your employer may not let you sign back up right away but would have to the next time the enrollment period comes up. :-) Can you ask for a higher deductible? Before you just quit the insurance company, you may want to look at alternatives. If you're young and in good health, you may want to look at a major medical policy to cover catastrophic illness, rather than a health policy for basic medical issues. Also, if you have health issues or preexisting conditions, you're better off to keep the insurance and find something else to cut out of your budget. It depends but when you cancel your insurance make sure you get a "letter of insurability" from them. Basically the letter states your insurable and you can use it to resume your old insurance carrier or to get a knew one. |
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