A Question On Current Health Insurance Policy

[abluelady]

I've been doing lots of reading on the insurance industry and am a firm believer in the single payer option. However, I have a question that I can't find answered. I keep reading about insurance companies dropping clients after too many claims are filed or insurance companies denying coverage of procedures after looking through patients' medical records. Can this happen if your insurance is through your employer or only if you have your own individual policy? Thanks.

[quiller4]

1. An insurance company could inform a company that it no longer wanted

to write a group policy for that employer but it cannot drop one employee from group coverage during the life of a policy.

[dflprincess]

2. It's harder to drop just one person if you're on a group policy

But small companies are vulnerable. If one employee or dependent gets ill and really starts running up claims, they will jack the premium for the whole group up until the employer can't afford it and no one gets insurance - or the employer fires the person whose claims are running things up (that used to be legal, don't know if it still is or if it is a state by state thing)>

[stuball111]

3. I get mine through the Union

And I don't think they could refuse me or deny anything. If I was to have my own, I think they'd drop me like a red hot horseshoe if I was to get sick or file too many claims.

[abluelady]

4. Thanks for all the Responses

I can buy an individual policy for myself cheaper than the employer offered plan my husband has, but I'm afraid now that I know so much. I guess it is worth paying more and not worry about being dropped--at least until I can purchase through the reformed plans we will see soon!