Has anybody figured out the process amongst health insurance companies to prove how long a member has had health insurance? I am asking this in the context of lifetime community rating and proof of previous cover when switching if you're over 34.
I've been insured since my early 20s so I'm not within the scope of the lifetime community rating rules but sometimes wonder if I will be asked to prove I have been insured since I was 35. When signing up for Laya Healthcare recently, I was asked for my previous insurer, membership number, dates, etc. There was an opportunity to provide details on only one company and one start date under the question 'When have you been insured since and with whom'. I provided an answer for this question that only covered 4 years of cover but a good few relevant years with other health insurers (since turning 35) were missing.
Is information relevant to lifetime community rating maintained by the insurance companies? If so, specifically, what information is held? Is there a means for me to confirm that the information held is correct so that I don't run the risk of losing the record of previous cover needed to avoid a loading under the lifetime community rating rules?
Any insight is appreciated!
I've been insured since my early 20s so I'm not within the scope of the lifetime community rating rules but sometimes wonder if I will be asked to prove I have been insured since I was 35. When signing up for Laya Healthcare recently, I was asked for my previous insurer, membership number, dates, etc. There was an opportunity to provide details on only one company and one start date under the question 'When have you been insured since and with whom'. I provided an answer for this question that only covered 4 years of cover but a good few relevant years with other health insurers (since turning 35) were missing.
Is information relevant to lifetime community rating maintained by the insurance companies? If so, specifically, what information is held? Is there a means for me to confirm that the information held is correct so that I don't run the risk of losing the record of previous cover needed to avoid a loading under the lifetime community rating rules?
Any insight is appreciated!