The best way for you to manage insurance policies is simply to plan ahead.
Create a Master List
You should identify your insurance carriers and brokers and make a list containing contact information (phone number, address, email address) for each. For example, if you have car insurance through Geico, you should include the Geico customer service number as well as the contact information for the specific agent, if any.
You should distribute this list to your family or household members and keep a copy in an accessible location and another copy on your person (e.g., cell phone, wallet, or in a secure email account). This helps to ensure access to such information if required to leave the U.S. on short notice.
Gather Information and Review Insurance Plans
You should locate and review all insurance plan documents, whether in hard copy or online and also contact your insurance company to gather any missing information or ask any outstanding questions.
You should obtain, at minimum, the following information
- Method and requirements for termination or transfer of the insurance policy;
- Policy on reimbursement for coverage not used;
- Consequences of early termination, or termination generally;
- Consequences of non-payment of premiums;
- Necessity of reporting a change in immigration status;
- Ability to revive plan upon return to U.S.;
- Consequences of transfer or cancellation to other individuals covered under the policy; and
- Whether the premiums are being drafted from a bank account.
Answers to the above questions will allow you to make an educated decision about whether to cancel, continue, or transfer the plan in the event of detention or deportation.