How To Cancel Health Insurance Blue Cross?
How do I switch from one health insurance company to another?
I want to switch from Aetna to Blue Cross, will I have any penalties for doing so, and how soon will I be active with Blue Cross if I sign up today
There really isn't any such thing as a pentalty for switching health insurance companies. You simply have to set up a plan, pay your premium and you're insured. Many people get health insurance at a significant discount through their employers. I'm assuming that you are not going through your job to get health insurance and you are paying the full premium yourself. I don't know much about Aetna- but I can tell you that Blue Cross is very good insurance- and therefore very expensive. That saying- you get what you pay for..... it's true. I would simply call blue cross, or go online to www.bluecross.com and fill out the sales inquiry form. From there you should be able to recieve a quote and talk to a representative about the difference in coverage and price. If you decide that you do want to make the switch from Aetna to Blue Cross.... simply cancel your Aetna insurance and begin a policy with Blue Cross. Just make sure you set it up so your new coverage begins right away- so you don't have a lapse in coverage. I've included a Blue Cross website link where you can request a quote.
How do I switch over from Kaiser HMO insurance to Blue Cross PPO?
My relative has Kaiser HMO insurance and wants to change and switch over to Blue Cross PPO. She wants the freedom to go to any doctor instead of being held to just one. Do I have to cancel her membership with Kaiser and then apply for Blue Cross? or can is there a way i can easily switch over without having to cancel?
You have to cance the Kaiser plan first and then sign up for BC....there is no switching over....does not work like a mobile phone plan :)
If I get employer-provided health insurance, will I still have any freedom to choose what kind I want?
Say that I get a job, and one of my benefits as an employee is health insurance. Does this mean that I either have to (1) accept the employer's health insurance unconditionally or (2) refuse and find an insurance company to get health insurance from OR, are people able to negotiate what kind of insurance they want with their employers? Or do some companies allow negotiation and others don't? I don't get it. Does accepting employer-provided health insurance mean you lose freedom to choose or something? Thanks.
Employers usually provide health insurance through a health insurance company, such as Blue Cross Blue Shield. There are usually a few different options to choose from with different premiums and such within that company. You will have the power to choose between those different options.
However, if you would like to go with a different health insurance company than what your employer provides, you are responsible for paying for that completely on your own.
I have private health insurance and insurance from work?
I have private health insurance from blue cross blue shield, I also get blue cross blue-shield from the work I do for the state. If I was to use the insurance from my work would it be a conflict with the insurance I privately have? I was told that they would cancel each other out and I would lose my private insurance. Is this true??? I don't really want to lose my private insurance for health and security reasons but I also don't want to keep paying more if i don't have to in the long run.
In most cases, you are paying too much for your coverage. You generally are best off just getting the bcbs plan from your employer. However, they can work together in some instances. If one is used as primary and then the other can pick up the co-pays at the doctor's office and other things. I know one person who has a situation like this. However, this person has coverage from their own employer and their spouse's employer. Their plan pays as primary, the other picks up everything except the annual deductible. Since the plans are written differently from each other, if they used the spouse's plan as primary, then their own plan would pick up nothing as secondary. Since both plans are through the employers and that person has a lot of medical expenses, it saves money to have both plans on that one person. Since the spouse has few medical expenses, they only have one plan on that spouse. In most cases, your private medical insurance is going to cost you more to carry than the out-of-pocket maximum on the plan with the employer. In most cases, you would do well to carry only one plan.
Canceling health insurance with the company your work for?
A gal at work is having some problems canceling her health insurance with the company we work for. Our company is saying she CAN NOT cancel her health insurance policy with BCBS since its not open enrollment. The reason she wants to cancel is because she got coverage with a different company. Is it legal for our company to say she CAN NOT cancel her policy??? How could she afford to pay for both!
It is not the company that says this, it's the insurance company. The insurance company only allows for changes during open enrollment or if there is a significant life event, such as marriage, birth of a child, death of an immediate family member, etc. This is the only time changes can be made.
Why does the insurance company do this? It prevents people from getting insurance only when they need it and not being insured when they don't need insurance. For example, most people only visit the dentist once every 6 months. If an insurance company allowed participants to sign up and cancel their insurance at any time, then you could sign up for dental insurance the month that you are going to the dentist (so that the insurance company will pay) and then the next month cancel the policy because after all you won't be going to the dentist for another 5 months. Then you could sign up for dental insurance the month you go to the dentist, then immediately cancel. While less common, the same thing can be true for health insurance. A person could decide to get health insurance one month, when they know they have to go to the doctor (i.e. they just came down with the flu and need to go to the doctor) and then once they are well again cancel their coverage.
I completely empathize with your co-worker. If a person doesn't understand insurance very well, then it would make sense that the company should allow her to cancel her health insurance. Whoever helped her get health insurance through a different company should have reviewed this with her so she wouldn't have to pay premiums for two health insurance policies.