I have been on the same type of insurance for 10 years, I switched to my hospitals insurance. I was denied at first (no I did not have a lapse in coverage). Makes sure you fax a letter of Certification to the new insurance and if you are diabetic (like me), NEVER lapse in coverage. I cried when I got the letter that said I was DENIED. Like I can go without my insulin? Of course it was all worked out, but I would have loved to know about the letter I needed, and to never lapse in insurance. Scary.
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