If a health insurer gives a written letter of reinstatement before past premiums are paid, are you still responsible to pay past premiums?
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If a health insurer gives a written letter of reinstatement before past premiums are paid, are you still responsible to pay past premiums?
I was told that an insurance company never releases a reinstatement without payment of prior balance due. In this case, I was erroneously told that the account reinstated as of 2 months ago and that we were paid through last month with no premium due until then and as stated above, have a reinstatement confirmation.
Asked on October 8, 2012 under Insurance Law, California
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
Under the insurance laws of all states in this country when an insured receives a letter of reinstatement of his or her insurance policy the reinstatement letter sets forth the conditions for such. If past due premiums are required to be paid by a certain date then such need to be made by the insured for the reinstatement to be effective.
As such, I suggest that you carefully read your reinstatement letter that you are writing about.
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