Washinton D.C.
Health Insurance
Consumer Rights under DC State Law
If you are seeking insurance in the state of Washinton
D.C., there are some things you should be aware of before
choosing a health insurance company. There are laws set
in place by the state and federal government that are
intended to protect the rights of individuals. We will
briefly discuss the most important regulations that can
affect you.
Washinton D.C. has basic policy provisions. They do
not allow an insurance company to cancel a policy based
on the physical health of an insured individual. They
can cancel an insurance policy for other things like contract
violation and lack of premium payment.
Also Insurance companies can only exclude coverage of
a pre-existing condition for a maximum of 12 months. For
individuals this is a good thing. Most states allow insurance
companies to permanently exclude pre-existing conditions.
If an individual stays continually covered they can
use their exclusion time is credited to their new policy.
This means if they started a policy with once company
and passed six month of their waiting period, the six
months in credited the their new insurance company.
Insurance companies in Washinton D.C. have the freedom
to turn down an applicant if they do not meet certain
health restrictions. They also have the freedom to set
their premium at whatever rate they feel is reasonable.
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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