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Ill believe this when I see it..sounds too good to be true! Sorry guys lol
The Humana website lets you choose a reason for your SPECIAL enrollment from a drop-down box. You choose "Loss of Coverage" and then proceed to apply. There's no wording stating that verifying documentation needs to be sent in to the company.
Perhaps the only instances in which Humana would attempt to "punish" the person who buys a Humana Plan, coming off of an STM, is if there is a sizable medical claim? I'm sure they still have some people left in the department that tracks down people who lied to get insurance.
But then again, your average Joe and +80% of agents have no idea what Minimum Essential Coverage means anyway. For all they know, an STM is M.E.C.. In this self-serve world, would an arbiter side with an insurer who wants to deny an $82,000 medical claim because the applicant said/believed that he "Lost Coverage", when his Short-Term-Medical expired? Technically, he DID lose coverage. That's all Humana asks.
-ac