Hassle-Free Health Coverage: Extension Of Coverage

As mentioned earlier, your insurance company will usually extend your coverage if you are being treated for a continuous injury or sickness if the policy is not renewed or if coverage terminates for a reason other than nonpayment of premium. Coverage is typically extended up to 90 days.

Another option when coverage terminates due to age or eligibility for Medicare, is to convert to another policy.

You have to apply for a converted policy and your insurance company will only issue this type of policy after it receives a written application and payment of the first premium at least 31 days before coverage terminates.