My grandfather has a health insurance policy with Monumental and he is convinced that he is not allowed to move one county north or he will be dropped from his policy. I told him that, most likely, he will just need to find a new doctor and that, since Monumental is a national company, it probably won't be a major issue. Is my grandfather crazy (my hunch) or can a health insurance policy prohibit you from moving?
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No, a health insurance company cannot prohibit anyone from moving, but depending on what type of plan you have, you must reside in the coverage area to receive coverage from the plan. Even though it is a national company, it probably doesn't cover every single area in the country. First, you need to find out exactly what type of plan he has. Monumental Life Insurance Company offers Medicare Supplement plans. With Medicare Supplement plans, it shouldn't matter where he lives. However, I think Monumental also offers Medicare Select, which is a type of Medicare Supplement. If he is under one of those plans, it WOULD matter where he lives, as those types of plans only have coverage in select areas. My best guess is that they might be trying to tell him that they don't cover the area he's moving to and that if he moves there, he won't be able to keep the plan because he'll be out of area. The only way to find out for sure is if he calls them and asks them exactly why they are saying his policy will be dropped if he moves there.
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