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Some Questions on Alabama Health Insurance Policy Alterations

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Some Questions on Alabama Health Insurance Policy Alterations

Some Questions on Alabama Health Insurance Policy Alterations

My employer is altering the group health program to another one providing fewer advantages. Can they do that?

Yes, absolutely; since the agreement is made between the insurance company and the policyholder (your employer).

Past year, my spouse lost the health insurance while he was laid off from his job. And, I listed my husband on health insurance plan at my workplace, in order that he may get coverage. After that, when he started his new job, I have not notified my office within the allotted period; so I can't cancel his coverage till the coming enrollment period. When he needs to have a test or some medical procedure done, is his insurance coverage via his work decided primary? Can my insurance policy be utilized to pay 20% uncovered part, or is my spouse's coverage under my policy ineffective?

If your spouse has a claim, his insurance policy will be primary and your policy will be secondary. The scenario will be inverted when you will have a claim. If your children are covered by both the policies, primary coverage will be provided by policy of the parent whose birthday comes earlier according to the calendar year. Then policy of the other parent will provide secondary coverage.

I wish to apply for the conversion policy under my group insurance contract. I was told that I should pay a quarterly premium. I would like to pay on monthly basis. What should I do?

Most of the insurance companies have finished off monthly billing, since it costs exorbitant. You can make inquiries whether your insurance company would let you pay through monthly bank draft. Otherwise, you have to pay the premiums in a mode (quarterly, half-yearly or yearly) which is the most compatible with the insurance provider's accounting practices.

I have been getting coverage under my company's health insurance policy, but now I find that my claim is not covered, since my employer failed paying my premiums in time. Is my insurance company required to inform me that they have not paid my premiums? What would happen to my claims?

The insurance company is not obliged to inform you about the updates related to premiums being disbursed by your respective employer. The agreement is made between the insurance company and the policyholder i.e. your employer. So, the health insurance company is not legally responsible for your claims even if the premiums have not been disbursed.

How is it possible to get information on Alabama Health Insurance Plan?

You may call the Alabama Health Plan Administrator at (800)513-1384 or (334)242-4301.

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