Eligibility Requirements Vary on Health Insurance for Dependents

By: Thomas Hunter

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.


About the author of: Eligibility Requirements Vary on Health Insurance for Dependents

Thomas Hunter is an Internet marketer, author and publisher and has helped hundreds of people save money on their health insurance. Visit us at http://DiscountOnlineQuotes.com spend 5 minutes and get your no obligation Health Insurance Quote.
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