Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up.
But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you’d moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you’ll change insurance when you complete the move.
After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy — feverish with occasional headaches — requiring bed rest and lots of fluids.
If this doesn’t clear up in a day or two, you’ll want to see a doctor. Will you be covered by the NY insurance, given that you haven’t had time yet to get CA insurance?
For Mountaintop & others. Was in CA only 3-4 days the first time, just to register, etc. Seems to me your residence is the primary place where you sleep, and that just (recently) changed from NY to CA. Comment?
For mbrcatz & others. The health insurance in question is a Medicare HMO. I think the govt. pays the carrier. If they take the money, does that matter? And if they say residence changed upon registration, and they refund the premium, who gets it? The government? And if the NY coverage was cancelled, there’s always original Medicare, isn’t there?
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In most states, if there is less than 30 days between insurance carriers, the old one takes you for pre-existing conditions, and the new one takes you for the new.
Your residency changed the date you got your new state license and voter’s registration. If you then waited four months, you may be out of luck.