New Mexico Article 18 has become a focal point for insurers, policyholders, and regulators because it tightens disclosure standards and clarifies when carriers may deny …
Understanding “Knowledge and Belief” Clauses in New Mexico Applications
"Knowledge and belief" clauses are a common feature on health insurance applications, but their wording can dramatically affect an applicant’s exposure to rescission, denial, or …
Legal Remedies for New Mexicans Facing Rescission for Omissions
Insurance rescission for omissions—when an insurer cancels a policy retroactively because the applicant allegedly failed to disclose medical history—can be devastating. New Mexico policyholders facing …
Impact of Article 18 on NM Individual Market Underwriting
Article 18 of New Mexico insurance practice has reshaped how individual market carriers evaluate applications, investigate pre-existing conditions, and pursue rescission or rate adjustments. Insurers …
Transparency Standards for New Mexico Health Insurance Applicants
Applying for health insurance in New Mexico requires more than ticking boxes—applicants must understand Article 18 rules, underwriting expectations, and the legal consequences of hiding …
New Mexico Insurance Code: Consequences of Non-disclosure for Seniors
Seniors applying for or renewing health coverage in New Mexico face distinct risks when pre-existing conditions or medical history are not fully disclosed. Non-disclosure can …
How Article 18 Governs Pre-existing Condition Exclusions in NM
Article 18 of New Mexico insurance regulations plays a central role in how insurers may treat pre-existing conditions and alleged non-disclosure on health insurance applications. …
The Cost of Hiding Medical History in New Mexico Health Plans
Hiding or misrepresenting medical history on a health insurance application can carry serious financial, legal, and health consequences in New Mexico. Article 18 of New …
New Mexico Article 18: Transparency in Major Medical Applications
New Mexico's Article 18 sets strict expectations for transparency when applicants complete major medical insurance forms. Accurate reporting of medical history, diagnoses, and treatments is …
Navigating Kansas Health Underwriting for Micro-Groups
Kansas micro-groups (typically employers with 1–5 or up to 10 employees depending on carrier definitions) face specialized underwriting and compliance risks when members submit health …