What Do You Mean It's Not Covered: The Most Common Health Insurance Form

POLICY RENEWAL: We reserve the right to non-renew all policies of this same form in the county where you reside. If we non-renew, we will notify you at least 31 days prior to taking this action. Each adult insured person may be insured to age 65 or until eligible for Medicare, whichever first happens. Each dependent child may be insured to age 25, to the date of marriage, or when no longer dependent on you, whichever first happens. Other than as stated above, you have the right to renew this policy by paying the correct premium when due. The premium must be paid in advance of the premium due date or before the end of the grace period. Premiums will increase each year. Also premiums may change if you move to another area. See premiums on page EI2,5.

The insurance company has the right not to renew all policies of this same type in any county. In effect, this means it may discontinue using the policy form in a given area. If it takes that action, each policyholder must be notified at least 31 days in advance. The insurance company may not refuse to renew an individual policy. As long as insured people remain eligible for coverage, the policy may be renewed by making required premium payments before the end of the grace period. Adults may be insured until age 65 or becoming eligible for Medicare -- whichever occurs first. Dependent children remain eligible until age 25, the date of marriage, or when dependency ends -- whichever occurs first. Premiums will increase each year due to the advancing age of insured persons, and may change if those people move to another area.