Insurance Curator

Policy rescission is one of the most disruptive actions an insurer can take: it treats a policy as if it never existed. For Alabama residents …

Short-term limited-duration insurance (STLDI) in Alabama can be a cost-saving but risky option when compared to ACA-compliant plans. Doctor consultation records are frequently decisive during …

Short-term limited-benefit plans sold in Alabama often promise low premiums and fast enrollment, but they come with significant disclosure and coverage gaps. This article compares …

Short-term limited-duration health plans (STLDIs) in Alabama can appear inexpensive—but the hidden costs of rescission for non-disclosure of medical history are severe. Rescission means your …

Short-term limited-duration insurance (STLDI) and limited-benefit plans are common choices for Alabamians seeking lower-cost coverage outside the ACA marketplace. Understanding the difference between underwriting and …

The Alabama Insurance Department (AID) has issued clear warnings about omissions on short-term limited-duration insurance (STLDI) applications. These omissions—especially failing to disclose pre-existing conditions—can lead …

Claims denials for undisclosed pre-existing illnesses are a significant risk for Alabama residents who buy short-term limited-duration or non-ACA compliant plans. These plans often rely …

Short-term limited-duration insurance (STLDI) in Alabama often leaves consumers exposed to gaps that ACA-compliant plans close. STLDIs are legally and functionally different from Affordable Care …

Short-term limited-duration insurance (STLDI) in Alabama is marketed as a lower-cost bridge between major medical policies. Non-disclosure of pre-existing conditions on STLDI applications, however, carries …

Rescission investigations in South Carolina can be stressful and swift. When an insurer questions your application—often due to alleged non-disclosure of a pre-existing condition—policyholders have …