ONE DRINK COULD LAND YOU IN A HEALTH INSURANCE EMERGENCY

3Let's say you have a beer or one cocktail at a party, trip over the carpet, and wind up in the emergency room with a broken ankle. Now imagine the shock of finding out later that your Health insurer is denying your claim due to the presence of alcohol in your system.

Insurance claim denials for alcohol use are based on the 1947 National Association of Insurance Commissioners (NAIC) model law, which says that insurers should be allowed to deny claims for patients if they are injured while under the influence of alcohol.

In 2001, the NAIC changed its recommendation and encouraged states and Health insurance companies to provide coverage for patients regardless of alcohol use. As a result, a number of states repealed or amended their laws. Today, any state can choose to either authorize or prohibit insurance exclusions for alcohol use, from one drink to actual intoxication.

Insurance companies follow their own policies, as well as state regulations, when making a determination about alcohol related claims. Some health carriers explicitly exclude paying claims that involve any use of alcohol. Many other insurance companies, however, will provide coverage regardless of alcohol consumption by the claimant.

To find out how your claim will be treated if you have a medical emergency after drinking, feel free to get in touch with us.
Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
Your business insurance value has no relation to your policy premium or your policy premiums, the value of your insurance portfolio related directly to the risks you insure against. If you are not an insurance expert, it is important for you to meet ...
Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need pr...
The disastrous Japanese earthquake/tsunami of March 2011 drowned thousands of people - but the toll would have been far higher without the nation's comprehensive warning system, which combined radio broadcasts, text messages, and sirens with firefigh...
Thanks to your health insurance policy, you can receive routine checkups, specialist consultations, lifesaving medications and necessary procedures for just a few dollars a month. Your premiums may be rising this year, though, because of increased he...
Although most Americans with Health insurance are covered under an employer's plan, there are still many employers that don't have Health insurance offerings. Workers of companies not offering insurance are left to find and purchase their own private...