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EMPLOYEE
Waiting on Insurance policy approval...
I actually paid for an insurance policy but my application will take several weeks to process. Is that normal? If so would an interim policy be a good idea? Help
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Inappropriate?What is most important with health insurance policies and coverage is that you do not have a "lapse in coverage." This occurs when an individual is in between health insurance plans or without coverage for a period of time. The reason a lapse in coverage is bad is because an insurer will often point to that instance as the time when a health condition began. Whether or not this is true is a whole different story, yet insurers still use it as a justification to deny coverage for certain care.
If you are working directly with an agent (if there is an actual person to talk to) ask them if they can excel the process. Tell them that you want to avoid a lapse in coverage. If they say that cannot make the approval occur faster, ask them if you need an interim policy to cover you until your application is approved. They should be candid with you in responding to your concerns.
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