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OnlineAdviser forum
Verification of insurance for college waiverOur guest asks: My school requires me to verify that my insurance meets the minimum requirements set by the university. I called the insurance company and they refuse to sign the form that came from the school! OnlineAdviser responds:This is a bit confusing since health insurance company employees are not authorized to sign a verification of coverage form supplied by a third party. The insurance company will, of course, provide a verification of coverage on its own format (this can often be downloaded from the member service Web site). Signing a verification form is considered as offering a public representation of the insurance in a format that is not filed with the site insurance department; therefore a prohibited activity for insurance company employees. That is why you found no co-operation when you called the member service office. Independent benefit plan agents, plan administrators or enrollment service representatives may complete these verification form on request. The difference in stance is largely a matter of legal liability. Independent insurance firms are insured for this type of extra service activity. Check your policy or insurance ID card for the contact information of the servicing agent or administrator. if this is unavailable, Ask OnlineAdviser at onlineadviser@freedombenefits.net to see if we can help.
Columnist Tony Novak answers guest questions in a wide range of consumer finance issues. Health insurance questions and responses are published here to help others with the same issues. Personal information is removed from the question prior to publication. Novak has addressed more than 50,000 consumer finance questions in newspapers, radio television and Internet over a span of 24 years. An expanded biography is published at www.tonynovak.com. Novak is frequently compensated for endorsement of the companies covered in the forum. Advise is from sources believed to be reliable but cannot be guaranteed. OnlineAdviser comments represents the opinion of the adviser only and not represent the position any other person or business. This service is provided without charge on a best-efforts basis. Neither Freedom Benefits nor the adviser assume any liability for the effects of reliance on this advice. Have a Question? Ask OnlineAdviser for a fast professional response. |
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