Avoid Pre-Ex, Provide Prior Health Coverage

In order to prevent the hassle of an unnecessary pre-existing condition exclusion from your insurance plan, it is important complete the prior health coverage section of any insurance application. This applies to you if you are a new hire, joining the company plan for the first time, or if you are an existing employee because the company is considering a change to their policy carrier.  It is critical that you list correct information that documents ONE full year of previous insurance coverage. If you’ve had more than one coverage in the last 12 months, make sure you list that information as well.   This information includes, your prior insurance company’s name, the type of coverage you had, your prior policy number, your prior effective date, and the end date of that policy.  There will be times when the carrier will ask for a certificate of credible coverage that verifies the accuracy of the information. Most carriers will send these out after a termination is completed, but if you need one and don’t have it, you can contact the prior carrier to request it.