Frequently Asked Questions
What is a Conversion Policy?
In certain states, if you lose coverage under a group health insurance policy you are guaranteed the right to buy an individual conversion policy. The individual conversion policy is sold by the same insurance company that covered the group you were formerly covered by. If you elect to buy the conversion policy you cannot be denied insurance because of your medical history.Does the individual Conversion Policy have the same benefits as the Group Policy I previously had?
No, in most cases the benefits are similar to what you had under the group policy but are not identical. The letter that was sent to you included a “Policy Schedule” which lists all medical services covered under the conversion policy along with the benefit amount you will receive for each type of service. We encourage you to review the “Policy Schedule” to understand what benefits the conversion policy provides.Can My Conversion Policy Be Cancelled?
Your coverage cannot be canceled because you get sick. Your policy is guaranteed renewable until you become 65 years old. Your policy can only be cancelled if you fail to pay the premiums or if you commit fraud in completing the application or submitting claims.Can the Premium for this Policy be Changed?
Yes the premium can be changed. However, the premium can only be changed if all polices like yours are changed in the State of Utah. If a rate change is made you will be notified in writing at least 45 days before any premium increase.Does the Conversion Policy have a Pre-existing Condition exclusion period?
Your conversion policy will have a pre-existing condition exclusion period of 6 months. However, you will be credited for any time you were insured under your former health coverage. It is important to note that there is no pre existing exclusion for pregnancy or for a newborn child.If I Have a Question, Who Can I Contact?
We have appointed the following customer service representatives to personally handle any questions you my have. Please feel free to contact either of these representatives who will be happy to assist you.For Question about Premium Billing: Scarlet Bennette at 336-608-3200 Ext. 1012
For Questions about Claims: Michelle English at 864-234-8200 Ext. 123