When does robustness insurance expire when you move out of state?

Suppose you have health insurance within New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You progress to the doctor, and your NY insurance pays up.

But then you get a memorandum from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write support, telling them their information is premature, and that you'll change insurance when you complete the move.

After four months, you complete the move to CA, and two days after your arrival, you start outlook woozy -- feverish with occasional headache -- requiring bed rest and lots of fluids.

If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't have time yet to get CA insurance?
Answers:
In most states, if there is smaller amount than 30 days between insurance carriers, the old one take you for pre-existing conditions, and the new one takes you for the up to date.

Your residency changed the date you got your new state license and voter's registration. If you after waited four months, you may be out of luck.
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OK, once you switch your license and/or voter registration, you're no longer a NY resident. Once you're not a NY resident for 30 days, your health policy is void. There's a common sense for that - health insurance policies - coverages, providers, rules, regulations, etc., are governed by the state insurance department of the state you live contained by. A NY policy is NOT going to cover a CA resident, legally, according to the CA resident's insurance commissioner.

You've had 4 months to complete the move to CA. And unless they sent you a "reinstatement" distinguish on your health insurance, it was cancelled the date they originally indicated contained by your cancellation notice. Source(s): agent, 21+ years


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