If you have medical insurance and you are paid through the end of the month, can that carrier terminate your policy without notice?

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If you have medical insurance and you are paid through the end of the month, can that carrier terminate your policy without notice?

My son had his appendix taken out and an overnight stay at the hospital. We are paid up through the end of this month and we never received any cancellations until today. Are insurance companies required to notify their policy holders they are being terminated? For instance we are paid through this month but as of today we were notified that we have been terminated. We mailed out our last payment on the 3rd, the insrance company cashed our payment of the 10th but then canceled us the same day. 

Asked on February 25, 2012 under Insurance Law, Minnesota

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

The insurance company may have made a huge mistake with your policy. Further, your insurance must give you notice before termination. It may not be long, but it must give you notice. Further, it should be able to tell you whether a claim would be approved prior to the surgery being performed. If your insurance company made the cancellation after it cashed your check, then it should at least cover you for that month.


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