Memorandum In Support of Disclosure of Coverage
Posted by Sheri Harris on Monday, January 4, 2010
Under: Memorandum-1/10
IN THE UNITED STATES
CIVIL MATTER
Memorandum In Support of Disclosure of Coverage
Disclosure of coverage is designed to enable the insured entitlement of information, with regard to contractual agreements for insurance plans and specific coverage allotments herewith.
The extent of coverage and disclosure of enables the participant to:
a) Make decisions on care that is not covered by insurance, this would include election to seek alternative methods of care.
b) Obtain supplemental insurance that will modify their existing insurance to cover monetary costs that the primary insurance will not pay for.
c) To terminate existing policy for one that is new and includes such benefits that an insured is in need of.
Scope
The insured is entitled to information regarding disclosure of coverage as to provide an understanding of what the insured is paying for and will receive with regard to insurance.
It would be inconceiveable for one to obtain insurance and become misled with regard to exclusions, limitations and reductions concerning one's insurance plan.
Authority
It is therefore of request to initiate such disclosure upon enrollment and any amendment or rider afterwards of participation. This would include a complete listing of items and services that are covered and not covered in their entirety. This would also include circumstances and an explanation for requirement eligibility in order to qualify for a particular item of coverage.
If such a disclosure is not provided the insured will be at risk for having coverage that unknowingly does not pay for certain services that the insured may be led to believe is covered. Basic coverage including items and services must be defined so that the insureds understanding is that of what their particular policy entails. This is also to ensure that the insurance company has established a suffice parameter of what services in a particular plan they actually pay for and what services they definately will not cover.
A general overview of plan is unacceptable because of it's vague understanding of each and every covered service. Therefore, disclosure on all items and services is necessary and ordered to be distributed for each plan participant to ensure agreement of covered services with regard to policy purchase for the insured and and insurer. This is also to maintain that insurance policies do not adhere or enlist to the "silent deductible" charge by listing an overview of services covered and then eliminating the most necessary of these services. Therefore, causing the insured to be subjected into a higher deductible by out of pocket payment. Thus the insurance company only paying for basic benefits which would mean that the insurance company has provided less for the insured than what the insured should be receiving for the monthly payments they continuoulsy pay out.
This in all circumstance is what such memorandum of disclosure intends to support.
Dated: January 3, 2010 Attest A. Sadiq
On Behalf of Pieces
CIVIL MATTER
Memorandum In Support of Disclosure of Coverage
Disclosure of coverage is designed to enable the insured entitlement of information, with regard to contractual agreements for insurance plans and specific coverage allotments herewith.
The extent of coverage and disclosure of enables the participant to:
a) Make decisions on care that is not covered by insurance, this would include election to seek alternative methods of care.
b) Obtain supplemental insurance that will modify their existing insurance to cover monetary costs that the primary insurance will not pay for.
c) To terminate existing policy for one that is new and includes such benefits that an insured is in need of.
Scope
The insured is entitled to information regarding disclosure of coverage as to provide an understanding of what the insured is paying for and will receive with regard to insurance.
It would be inconceiveable for one to obtain insurance and become misled with regard to exclusions, limitations and reductions concerning one's insurance plan.
Authority
It is therefore of request to initiate such disclosure upon enrollment and any amendment or rider afterwards of participation. This would include a complete listing of items and services that are covered and not covered in their entirety. This would also include circumstances and an explanation for requirement eligibility in order to qualify for a particular item of coverage.
If such a disclosure is not provided the insured will be at risk for having coverage that unknowingly does not pay for certain services that the insured may be led to believe is covered. Basic coverage including items and services must be defined so that the insureds understanding is that of what their particular policy entails. This is also to ensure that the insurance company has established a suffice parameter of what services in a particular plan they actually pay for and what services they definately will not cover.
A general overview of plan is unacceptable because of it's vague understanding of each and every covered service. Therefore, disclosure on all items and services is necessary and ordered to be distributed for each plan participant to ensure agreement of covered services with regard to policy purchase for the insured and and insurer. This is also to maintain that insurance policies do not adhere or enlist to the "silent deductible" charge by listing an overview of services covered and then eliminating the most necessary of these services. Therefore, causing the insured to be subjected into a higher deductible by out of pocket payment. Thus the insurance company only paying for basic benefits which would mean that the insurance company has provided less for the insured than what the insured should be receiving for the monthly payments they continuoulsy pay out.
This in all circumstance is what such memorandum of disclosure intends to support.
Dated: January 3, 2010 Attest A. Sadiq
On Behalf of Pieces
In : Memorandum-1/10