Starting a New Job: Make Sure Your Health Insurance Starts With You!

If you have been lucky enough to find a new job with health insurance in this economy, congratulations! It is no mean feat, and we envy you. A Lot.

However, before you mosey along thinking that you have it made, take a few minutes to speak with your new human resources department, and find out exactly when your new health insurance benefits kick in and just as importantly, make sure that your enrollment is taken care of!

Your enrollment still depends on your new employer submitting all your paperwork, so make sure that all your health insurance enrollment forms are submitted to your new employer’s health insurance carrier in a timely fashion. If your health insurance enrollment is delayed, it can cause a delay in your coverage which in a worst case scenario can be disastrous.

For an example of a worst possible case scenario, we were horrified when we read this story in The New York Times about a delayed enrollment with Atlantis Health Plans:

http://www.nytimes.com/2010/01/29/nyregion/29neediest.html?scp=5&sq=&st=nyt

If you have a pre-existing condition and your new health insurance has an exclusion period for pre-existing conditions, also remember to submit any certificates of creditable coverage you may have as soon as possible. Better to make sure that any exclusion periods are reduced or eliminated as soon as possible up front, rather than waiting until an emergency arises.

For more information on related topics such as types of health insurance and managed care, pre-existing conditions, short-term health insurance, and what to do if your health insurance claim is denied, visit us at:

Your Health Coverage-What You Need To Know

Managed Care Basics

Pre-existing Conditions-What You Need To Know

Short-Term Health Insurance-What You Need to Know

What to Do If Your Health Insurance Claim is Denied

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