Posted by Sharon Nuttall on Tuesday, September 28, 2010,
In :
Continuous coverage
Continuous
coverage is creditable health insurance coverage without a lapse of
more than 62 days during the last 18 months. Technically speaking, the
"creditable" part applies to group insurance plans, but most individual
carriers will recognize most major medical plans as being creditable.
For
most individuals, this issues comes up when they either are about to or
already have ended COBRA, but the issue can also arise if they have let
their individual coverage lapse for a period of tim... Continue reading ...
Posted by Sharon Nuttall on Wednesday, September 22, 2010,
In :
Underwriting
I had a situation come up recently that reinforced how important
communication is - in ALL of life of course - but particularly during
the health insurance buying process. I can't stress the importance of
letting your agent in on any and all health-related issues that the
potential insureds either have now or have had in the past that might
impact the underwriting outcome.
I'm well aware that it can be uncomfortable to reveal personal health information to a virtual stranger, but we agent... Continue reading ...
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