E
egobunny
Guest
California
I wanted to move from an HMO to a PPO with the same insurance company in my school district. The enrollment form required me to accept an arbitration clause. The clause forces me to give up the right to have any dispute decided in a court of law before a jury. I signed it, but wrote a note underneath stating: "I was told by the representative that if I didn't sign this section I would not be covered. I was forced to sign this section." Now (two months later) the insurance company has refused to switch me to a PPO because I added that note. Thus I have two questions: (1) Is it legal to have such an arbitration clause in a health insurance enrollment form that removes all right to a court trial? (2) Can they deny my right to switch plans on the basis of the note I wrote even though I still signed the form with the arbitration clause included? I am paying part of my premium on the PPO plan and I've already signed up with PPO doctors. They still have me listed under the HMO plan. The insurance company is not allowing me to have the freedom of choosing a health plan my district makes available to me. I will incur financial burdens because I already have seen PPO doctors and the insurance says they won’t cover this. Any help will be greatly appreciated.
I wanted to move from an HMO to a PPO with the same insurance company in my school district. The enrollment form required me to accept an arbitration clause. The clause forces me to give up the right to have any dispute decided in a court of law before a jury. I signed it, but wrote a note underneath stating: "I was told by the representative that if I didn't sign this section I would not be covered. I was forced to sign this section." Now (two months later) the insurance company has refused to switch me to a PPO because I added that note. Thus I have two questions: (1) Is it legal to have such an arbitration clause in a health insurance enrollment form that removes all right to a court trial? (2) Can they deny my right to switch plans on the basis of the note I wrote even though I still signed the form with the arbitration clause included? I am paying part of my premium on the PPO plan and I've already signed up with PPO doctors. They still have me listed under the HMO plan. The insurance company is not allowing me to have the freedom of choosing a health plan my district makes available to me. I will incur financial burdens because I already have seen PPO doctors and the insurance says they won’t cover this. Any help will be greatly appreciated.