Questions & answers · Dental insurance
How does Humana Insurance Company's dental insurance policy define a pre-existing condition?
AI-drafted from filed documents · reviewed: pendingpre-existing conditionsHumana Insurance Company
Under Humana Insurance Company’s filed form for Massachusetts (MA), this policy does not contain a pre-existing condition provision [1]. Humana Insurance Company’s filed form for West Virginia (WV) states that health conditions which you may presently have (preexisting conditions) may not be immediately or fully covered under the new policy, which could result in denial or delay of a claim for benefits present under the new policy [2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Humana Insurance Company · MA · SERFF HUMA-132930669 · form MA-72032 · p. 2 · 7 · Complaints
Complaints If you have a complaint, call us at [1-800-588-4444] or your agent. If you are not satisfied, you may call the Massachusetts Division of Insurance. This policy does not contain a pre-existing condition provision. [Signature of Officer] [Typed Name of Officer] [Title of Officer] TABLE OF CONTENTS [#] Contents Page number 1. Schedule of Policy Benefits..…………….………………………………………[xx] 2. Preferred Provider Organization...……………………..………….…………..[xx]
[2] Humana Insurance Company · WV · SERFF HUMA-133240880 · p. 1 · 3.2 · REPLACEMENT OF LIMITED BENEFIT INSURANCE
1. Health conditions which you may presently have, (preexisting conditions) may not be immediately or fully covered under the new policy. This could result in denial or delay of a claim for benefits present under the new policy, whereas a similar claim might have been payable under your present policy. 2. You may wish to secure the advice of your present insurer or its producer regarding the proposed replacement of your present policy. This is not only your right but it is also in your best interests to make sure you understand all the relevant factors involved in replacing your present coverage. 3. If, after due consideration, you still wish to terminate your present policy and replace it with new coverage, be certain to truthfully and completely answer all questions on the application concerning your medical/health history. Failure to include all material medical information on an application may provide a basis for the company to deny any future claims and to refund your premium as though your policy had never been in force. After the application has been completed and before you sign it, reread it carefully to be certain that all information has been properly recorded. 4. q By checking this blank, I agree to receive this notice exclusively by electronic means only. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qc7274152. Spotted an error? Tell us.