Can someone report to me what the definition of renewing a short-term robustness insurance policy is really referring..
to because I thought it was simply the option and process of reapplying for a untried short term policy at the expiration of the previous policy? Because, for my short-term health insurance I can reapply as copious times as I want but I'm sure the preexisting clause still applies if I get ill near the first policy as it is considered an altogether new policy...so basically I cant "work" the system by applying for coverage impulsive and being approved early, as the preexisting condition still applies. Illnesses that roll over to the strange policy will not be covered as they are preexisting? Of course, I guess I could get a short term policy outside of the company im beside now that overlaps although Insurance companies don't want to insure people who already hold insurance?
Answers:
You are using short term insurance in the wrong approach.
It is not really meant to be renewed but rather as a bridge between more irrevocable employer-sponsored plans.
If you need to do this however, you may be better off signing up for a spanking new policy with a new insurer that take effect the day after the old one expires. That bearing you solve this problem.
Short term health insurance is really designed for population in between jobs or in recent times graduating. The one I deal beside has a 2 year benefit period, so a claim beneath one policy could continue to pay for 2 yrs, but when you apply for a alien policy, this would be a pre-existing condition and probably not covered under the new policy. If your virus continued after 2 years you may find yourself without insurance that will pay for it. Short possession policies can be limited in other ways too, the best piece to do is read the limitations - if you need to, call the company's customer service flash and ask questions.
You are better off taking insurance explicitly not short term, unless there is a specific judgment, graduation or between jobs. Also, the company that I deal beside will only let you reapply once after the initial residence. I'm sure they are all different; I can only speak for the one I represent.
Related Questions:
Answers:
You are using short term insurance in the wrong approach.
It is not really meant to be renewed but rather as a bridge between more irrevocable employer-sponsored plans.
If you need to do this however, you may be better off signing up for a spanking new policy with a new insurer that take effect the day after the old one expires. That bearing you solve this problem.
Short term health insurance is really designed for population in between jobs or in recent times graduating. The one I deal beside has a 2 year benefit period, so a claim beneath one policy could continue to pay for 2 yrs, but when you apply for a alien policy, this would be a pre-existing condition and probably not covered under the new policy. If your virus continued after 2 years you may find yourself without insurance that will pay for it. Short possession policies can be limited in other ways too, the best piece to do is read the limitations - if you need to, call the company's customer service flash and ask questions.
You are better off taking insurance explicitly not short term, unless there is a specific judgment, graduation or between jobs. Also, the company that I deal beside will only let you reapply once after the initial residence. I'm sure they are all different; I can only speak for the one I represent.
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