Late Payment in Job-Based Health Insurance Policy Alabama
Reader’s Question:
What happens if my employer here in Alabama fails to pay my health insurance policy on time?
Michael
Montgomery, AL
As you know, the health insurance policy from your employer in Alabama is a form of benefit you receive for rendering services in that particular company. In most cases, even family members are included in the coverage. The contract for Employer Group Health Insurance Policy is drawn up between your employer and the health insurance company.
So, here goes some awful news. If your employer does not pay the premiums on time, it is possible for you to lose your health insurance policy. The coverage for your family will become unavailable, as well. To make matters worse, you can’t run after the insurer for this because, of course, it can’t be expected to cover the medical claims for health insurance coverage that hasn’t been paid for. Moreover, your employer has no obligation to notify you of their late payment of premiums.
It is difficult to say what you can do to fix this problem. Health insurance policy is controlled at the state level; Each state has a different set of rules. Both the Alabama Department of Insurance and the U.S. Department of Labor’s Employee Benefits Security Administration are places you can go to if you need clarifications on state regulations. They might also be able to help you with problems such as this.
Tags: health insurance, insurance
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