A customer recently complained about this issue: “I don’t understand the delay on applications for existing Kaiser Members who are forced to make a change due to age. The applications are long and 95% of the information requested is information Kaiser already has access to and we do not. Why are they asking for history from 10 years ago? This has been an annoying and frustrating experience.” Read also: End in Sight to the Underwriting Crisis
I can sympathize with this applicant. She’s thinking, “I’ve been with Kaiser for years. They have all my medical records. They know the answers to all these questions. Why do I need to fill out this incredibly long application when the underwriters are just going to look at my medical records and make a decision based on what they have on file?” In light of this complaint, I sent a request up the line and found out that there is already discussion occurring on this issue. Kaiser Permanente may provide a shorter application in the near future for current members who are changing their coverage type. However, for now you must do the following:
- Are you changing from group coverage to individual?
- Are you applying for individual coverage after becoming ineligible on your parents plan?
- Are you upgrading your current individual coverage for a richer plan? Re-Apply.
- Are you downgrading your current individual coverage for a lesser plan? Fill out the plan change form.