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Can you change health insurance plans? #4807229
07/06/18 09:21 PM
07/06/18 09:21 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
So I got some cheap knock off health insurance plan this year that doesn't seem to cover anything. Can I switch to someone else? I basically don't have health insurance because this fraudulent company doesn't cover anything.


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807231
07/06/18 09:22 PM
07/06/18 09:22 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
I give them the insurance card and they're like what's this?


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807234
07/06/18 09:25 PM
07/06/18 09:25 PM
Joined: May 2012
Posts: 1,404
Georgia
AVB Offline
AVB  Offline
Joined: May 2012
Posts: 1,404
Georgia
I think you have to wait for open enrollment period to make changes. There are exceptions for certain life events.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807237
07/06/18 09:29 PM
07/06/18 09:29 PM
Joined: May 2012
Posts: 1,839
The land of USA-made Subies!
SubieRubyRoo Offline
SubieRubyRoo  Offline
Joined: May 2012
Posts: 1,839
The land of USA-made Subies!
If you like your doctor, you can keep your doctor. duh

AVB likely correct, unless you change jobs nobody is likely to allow a change until open enrollment period opens, usually around late October.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807242
07/06/18 09:32 PM
07/06/18 09:32 PM
Joined: Apr 2012
Posts: 5,594
MA
Wolf359 Offline
Wolf359  Offline
Joined: Apr 2012
Posts: 5,594
MA
Where did you get the plan? Most health insurance is like that nowadays, doesn't cover anything but costs a lot and you basically have no coverage until you hit your deductible limit.

Usually you can only switch during open enrollment or if there's some life event that qualifies you for special enrollment, that's usually a job loss, marriage, having a kid, divorce or something like that.

You might have to suck it up til the next open enrollment which isn't til January. Or switch jobs.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807246
07/06/18 09:35 PM
07/06/18 09:35 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
It's called national congress of employers association


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807247
07/06/18 09:36 PM
07/06/18 09:36 PM
Joined: Jul 2013
Posts: 2,285
Outer Banks, NC
NormanBuntz Offline
NormanBuntz  Offline
Joined: Jul 2013
Posts: 2,285
Outer Banks, NC
Name of insurer? How did you find them, on the internet? Hopefully you aren't paying the premium via a credit card because that's how they can bend you over. Your are likely enrolled month-to-month instead of an annual contract, so it should be doable to bail out. Try a local insurance broker for a plan that's more trusted. There's a lot of fraud in peddling health insurance policies on the internet.


2017 Honda Odyssey SE, 16K
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2007 Honda Ridgeline RTS, 88K
2007 Infiniti M35, 107K
Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807255
07/06/18 09:44 PM
07/06/18 09:44 PM
Joined: Apr 2012
Posts: 5,594
MA
Wolf359 Offline
Wolf359  Offline
Joined: Apr 2012
Posts: 5,594
MA
Originally Posted By: motor_oil_madman
It's called national congress of employers association


Is this the one?

https://www.ripoffreport.com/reports/nat...inc-aka-1355926

https://www.complaintsboard.com/complain...nd-c107039.html

Re: Can you change health insurance plans? [Re: NormanBuntz] #4807256
07/06/18 09:45 PM
07/06/18 09:45 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
Originally Posted By: NormanBuntz
Name of insurer? How did you find them, on the internet? Hopefully you aren't paying the premium via a credit card because that's how they can bend you over. Your are likely enrolled month-to-month instead of an annual contract, so it should be doable to bail out. Try a local insurance broker for a plan that's more trusted. There's a lot of fraud in peddling health insurance policies on the internet.



Unfortunately every year during the enrollment period my phone blows up for about 2 months straight with people selling health insurance, so that's how I picked the plan I have. I did move at the beginning of the year and also had a death in the family. Not sure if that qualifies.


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807257
07/06/18 09:46 PM
07/06/18 09:46 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
I still get about 5 calls a day from people selling health insurance.


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807258
07/06/18 09:46 PM
07/06/18 09:46 PM
Joined: Jan 2010
Posts: 721
Los Gatos, CA
JeffKeryk Offline
JeffKeryk  Offline
Joined: Jan 2010
Posts: 721
Los Gatos, CA
Is it through your work? Ask them. If not, call your insurance.
And it is gonna get worse, folks.

Good luck.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807261
07/06/18 09:52 PM
07/06/18 09:52 PM
Joined: Apr 2012
Posts: 5,594
MA
Wolf359 Offline
Wolf359  Offline
Joined: Apr 2012
Posts: 5,594
MA
Originally Posted By: motor_oil_madman
Originally Posted By: NormanBuntz
Name of insurer? How did you find them, on the internet? Hopefully you aren't paying the premium via a credit card because that's how they can bend you over. Your are likely enrolled month-to-month instead of an annual contract, so it should be doable to bail out. Try a local insurance broker for a plan that's more trusted. There's a lot of fraud in peddling health insurance policies on the internet.



Unfortunately every year during the enrollment period my phone blows up for about 2 months straight with people selling health insurance, so that's how I picked the plan I have. I did move at the beginning of the year and also had a death in the family. Not sure if that qualifies.


Never buy anything from telemarketers. Even if they're legit, it's a bad precedent. Sounds like they were a scam. Only buy name brand health insurance like Blue Cross/Blue Shield. Or get it through the state exchange.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807269
07/06/18 10:02 PM
07/06/18 10:02 PM
Joined: Nov 2015
Posts: 841
US
bunnspecial Offline
bunnspecial  Offline
Joined: Nov 2015
Posts: 841
US
Originally Posted By: motor_oil_madman
I did move at the beginning of the year and also had a death in the family. Not sure if that qualifies.


Here's a partial list of what is considered a "qualifying life event"

https://www.healthcare.gov/glossary/qualifying-life-event/

Moving essentially only counts(per my understanding) if you change zip codes or have a major change in living status.

Also, "death in the family" is listed, but note that it is listed under "changes in household." I don't know this for sure, but I think this stipulation would be a qualifying event only if you were either covered by that person's insurance or your insurance covered that person.

I'd agree with the advice that if you aren't getting health insurance through work, your state's exchange is the best place to go. Open enrollment is usually in October, but it's for the upcoming year and the coverage you sign up for doesn't take affect until then.


2010 Lincoln MKZ-Mobil 1 5W-30
1970 MG MGB Roadster-Valvoline VR-1 20W-50
Re: Can you change health insurance plans? [Re: bunnspecial] #4807275
07/06/18 10:05 PM
07/06/18 10:05 PM
Joined: Nov 2009
Posts: 5,126
Houston, Texas
motor_oil_madman Offline OP
motor_oil_madman  Offline OP
Joined: Nov 2009
Posts: 5,126
Houston, Texas
Originally Posted By: bunnspecial
Originally Posted By: motor_oil_madman
I did move at the beginning of the year and also had a death in the family. Not sure if that qualifies.


Here's a partial list of what is considered a "qualifying life event"

https://www.healthcare.gov/glossary/qualifying-life-event/

Moving essentially only counts(per my understanding) if you change zip codes or have a major change in living status.

Also, "death in the family" is listed, but note that it is listed under "changes in household." I don't know this for sure, but I think this stipulation would be a qualifying event only if you were either covered by that person's insurance or your insurance covered that person.

I'd agree with the advice that if you aren't getting health insurance through work, your state's exchange is the best place to go. Open enrollment is usually in October, but it's for the upcoming year and the coverage you sign up for doesn't take affect until then.



Looks like I qualify then.


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: Can you change health insurance plans? [Re: motor_oil_madman] #4807276
07/06/18 10:07 PM
07/06/18 10:07 PM
Joined: Mar 2014
Posts: 3,477
NJ
Leo99 Offline
Leo99  Offline
Joined: Mar 2014
Posts: 3,477
NJ
I'm very happy with Aetna. No drama. They do what they're supposed to do. But you have to wait for the open enrollment period unless you have a life change for example, getting married or divorced or death in the immediate family.

Never buy anything from someone that called you first.

Last edited by Leo99; 07/06/18 10:16 PM.

Without data you're just another person with an opinion. W. E. Deming

2003 Corolla 250,000 miles (RIP)
2004 Corolla 125,000 miles
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