Early Renewal of Health Coverage Insurance

What is an early renewal?

Health plans are usually sold as a 12 month contract between you and your insurance company. In 2013, some insurance companies offered a chance to renew coverage earlier than the 12 month renewal date. for example, some insurance companies offered members a chance to renew in October of 2013, a few months prior to the 12 month renewal of January 1, 2014. This is often called an "early renewal".

Starting in 2014, most new plans offered to individuals and families or through small employers must cover a minimum set of essential health benefits and provide new consumer protections. Some insurance companies currently offering plans that do not provide these minimum benefits changed the renewal date to delay covering these required benefits. Some states did not allow or discouraged early renewals in 2013.

If I renewed my coverage in late 2013, does my plan have to cover new benefits in 2014?

If you renewed coverage before January 1,2014, your plan does not have to provide the new consumer protections until your next renewal in 2014. If your insurance company offered to renew early, there are some important things you should know about your coverage ;

•  Your current plan probably won't cover the new benefits required in 2014 by many plans or policies until your next renewal in 2014. For example, the requirement to cover certain benefits called essential health benefits (EHBs) does not apply to plans that renew in late 2013. Plans that renew in late 2013 are not required to cover items and services in the following 10 EHB categories :

1. Ambulatory patient services
2. Emergency services
3. Hospitalization
4. Maternity and newborn care
5. Mental health and substance use disorder services including behavioral health treatment
6. Prescription drugs
7. Rehabilitative and habitability services and devices ( Services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
8. Laboratory Services
9. Preventive and wellness services and chronic disease management
10. Pediatric services, including dental and vision care 

• Coverage of these benefits is not required for renewals in 2013 but should be included in your next renewal or purchase of different coverage in 2014.

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Health Insurance Policy

Health Insurance

The term ' Health Insurance' relates to a type of insurance that essentially covers your medical expenses. A health insurance policy like other policy is a contract between and insurer and an individual/ group in which the insurer agrees to provide specified health insurance covers at a particular "Premium" subject to terms and conditions specified in the policy.

• What a Health Insurance policy would normally cover

A Health Insurance Policy would normally cover expenses reasonably and necessarily incurred under the following heads in respect of each insured person subject to overall ceiling of sum insured.

1. Room, Boarding expenses
2. Nursing expenses
3. Fees of surgeon, anesthetist, physician, consultants, specialists
4. Anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, Chemotherapy, Radio therapy, Cost of pace maker, Artificial limbs, cost or organs and similar expenses.

• Sum Insured

The Sum Insured offered may be on an individual basis on floater basis for the family as a whole.

• Cumulative Bonus (CB)

Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal subject to a maximum percentage. In case of a claim, CB will be reduced by 10% at the next renewal.

• Cost of Health Check-up

Health policies may also contain a provision for reimbursement of cost of health check up. Read your policy carefully to understand what is allowed.

• Minimum period of stay in Hospital 

In order to become eligible to make a claim under the policy, minimum stay in the Hospital is necessary for a certain number of hours. Usually this is 24 hours. This time limit may not apply for treatment of accident injuries and for certain specified treatments. Read the policy provision to understand the details.

• Pre and Post hospitalization expenses

Expenses incurred during a certain number of days prior to hospitalization and post hospitalization expense for a specified period from the date of discharge may be considered as part of the claim provided the expenses relate to the disease /sickness.

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Health Insurance Quotes

With the Start of the new year, Millions will have access to health coverage for the first time or have improved coverage because of the health care law. There are steps you can take now to ensure you have access to coverage beginning January 1.

Coverage begins on January 1 for anyone who signed up by December 24. Don't worry, if you did not sign up by then, there is still time for you to apply through  March 31,2014. But if you did sign up and your insurance card has not yet arrived your coverage may already be effective. If you need to see a doctor or get a prescription filled before you get your insurance card, call your insurer to confirm that your coverage is in fact effective. You also can ask them to help you confirm your enrollment with your doctor or pharmacy so they can bill your insurer correctly and you can get the services and prescription you need.

You can call your insurer directly. If you do not have an insurance card, you can find this number on the insurer's website. Some insurer will let you go online and print a temporary insurance card.

All consumers must pay their premium after enrolling in a plan in the Marketplace. however, each insurance company sets their own payment deadline. Some insurers may accept your first payment after your coverage has become effective and pay for care you receive after January 1,2014. Contact your insurer to find out when and how you need to make your payment and what flexibility they are able to give you.

There are four steps to be sure your enrollment and coverage are complete :

1. Pay your premium to your health insurance plan by the due date.
2. Carefully review your member card or other Materials your plan sends you.
3. Review your plan's provider directory and determine who will provide your care.
4. Contact your plan with any questions or if you don't get a member card and enrollment materials. 

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