Is it true that if you have health coverage through your employer THAT the provider cannot drop you?

Question

I think I will have a serious health issue and since I was 18 (now I'm 22) I've been buying my own health coverage plan. I know that health provider love to drop their customers when they start being needy---SO I WAS WONDERING WHAT ARE THE SOLUTIONS TO THIS PROBLEM.

Do California teachers have this type of health benefit---where even if they have cancer (that would cost a fortune) their health coverage will cover them, right?

Answer 1

Well, you're wrong.  Health insurance providers do NOT drop people when they start putting in claims.  And they don't raise the rates for claims, either.   It's not like car insurance.

Once you have coverage, you have coverage unless the provider goes out of business, as long as you keep paying the monthly premium.  So yes, it's true that on the health coverage through your employer, the provider can't drop you - unless you leave your job and/or your employer quits the plan, or your hours drop off.  And if you have a private policy, they can't drop you, unless you stop paying the bill.

Answer 2

Add on to the answer above me, even if you leave your job your covered by COBRA for 18 months and by HIPPA guidelines you can enter another policy if you've had a policy with another company before so they cannot deny you. But no if your a teacher or whoever we're talking about and you develop cancer then that is almost the perfect position to be in 'health insurance' wise.Hope this helps you. Hope you have a full recovery and God bless you.

Answer 3

Generally speaking, insurance carriers cannot drop people who are on group insurance through their employers.  What you should do is to read the material you receive once you've gotten insurance coverage.  Either the insurance company will send this to you directly or it will be available through the human resources dept where you work.  It is your responsibility to know this information in case anything comes up with the insurance company.

Answer 4

#1, ignore the response about talking to an agent, that's as patronizing and useless as a response can be.

#2, check the renewability provision of your current coverage.  It will spell out the circumstances where the insurance company can end coverage.  Having claims is not going to be one of them.  However, some states still allow insurers to cancel the entire block - sick and healthy.  In other states, you can't be cancelled as long as you make timely premium payments.  You need to read the terms of your coverage.