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My wife and I have and individual(I am self employed) hospitalization policy with GHI. This does not cover physician's services but only hospital expenses. I would like to upgrade my policy with GHI as she is currently ill and hospitalized. I am confused as it appears that in NY GHI would not be able to deny me as I have had my current policy in existence for years but this seems counterintuitive. Please advise. Thanks.
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They should allow you to upgrade as you have continuous coverage with them, so any pre-existing condition clauses would not apply. Good luck.
Ray Price
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Good Morning --------
This is a good question and goes to all the confusion within the health insurance industry. In New York. If you have coverage then you can roll form one policy to another wit hno pre - exxisting condition limitation. Ther problem arises if you do not have coverage, which seems to be your case. Where you have hospitalization you do not have medical or drug coverage. Therefore you will have a 6 month of 1 year waiting period for any pre - existing condition. Since you wife is already been diagnosed with something this will apply to you.
This may seem unfair but there is a good reason the insurance carriers do it this way. if everyone waited until they got sick to take but coverage the companies would never be able to cover the claims. Insurance is to cover events that have not happened yet.
Sorry if that is not the answer you wanted but I hope it explains GHI's position.
Andy Gluss
National Financail Partners
White Plains NY
914-406-7914
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Something this specifice should go directly to a Health Specialist. Feel free to call Chris Jardin at The Press White Agency (914)591-5252 x601 and let him know that Paul from The McCartney Agency suggested that you call.
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