Washington
Health Insurance
Consumer Rights under WA State Law
Washington Policy Restrictions
Guaranteed Renewal
Guaranteed renewal means that an insurance company can
not cancel a policy because of an individual’s health
condition or age. They must renew a policy if an individual
request it. An insurance company does have the right to
cancel a policy for other reasons. Review your contract
and be aware of these terms to prevent cancellation.
Exclusion Period
An exclusion period is when an insurance company excludes
a pre-existing coverage from a policy. This means that
an insured individual will not be compensated for any
treatment related the excluded condition until the exclusion
period is complete. The maximum exlusion time is 9 months.
Washington Insurance Company Restrictions
Regulated Costs
Some states place regulations on the insurance premiums.
Washington state insurance laws do not regulate the cost
of a premium. This means insurance companies in Washington
can charge what they feel is reasonable for their coverage.
Premiums are usually based on industry standards, the
age of an individual, or existing health conditions.
Controlled Insurance
If an insurance company is controlled they usually have
set premiums as determined by the state. Washington insurance
companies are not controlled. They can deny coverage to
any individual or charge more for coverage due to existing
conditions.
Insurance companies inc Washington can also increase
their premiums because an individuals age or health status
changes.
Temporary Coverage
Temporary coverage is health insurance that is intended
to provide individuals with a temporary solution for health
coverage. These plans usually have a fixed timeline and
is not guaranteed renewable.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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