Your Rights as an Insurance Consumer

When examining your health insurance policy, you will find several provisions or riders attached. The insurance industry, policed and led by the NAIC professional guild, adopted 23 standard provisions. (NAIC, the National Association of Insurance Commissioners, has an excellent website for both professionals and consumers alike. One nice feature is that you can go to your state insurance commission and check to see if a given company or agent is licensed to do business in your state.) These standard provisions are for HEALTH policies; life policies have other common provisions or clauses, and I will treat those also.