Employers Hipaa Rights
employers hipaa rights
Can HIPAA help me in getting new insurance?
Hi I have precondition and last year I had COBRA insurance after I stopped working. Now former employer’s group coverage was cancelled(maybe they went out of business or decided not to give coverage to all employees) so I received two letters one that my COBRA coverage is terminated as well as my HIPAA rights letter. So now can I call insurance companies and have insurance excluding my pre condition? Last year I had called insurance companies many times and asked to have individual medical insurance because COBRA rates were too high but because of preconditiona all denied me coverage. So will getting HIPAA right help me in anyway?
Thank you.
Yes, HIPAA will guarantee that you can get individual coverage but it does not guarantee the premium. To be eligible you must have exhausted COBRA coverage, are not eligible for any other coverage, must not have a break in coverage greater than 63 days, and must not have any other coverage (such as a short term medical) after COBRA. Most major insurance companies offer a HIPAA guaranteed issue plan or two, but the choices are very limited. Depending on your state regulations the premiums will sometimes depend upon your health condition. I’ve seen HIPAA premiums range from just over $1000 per month to $2700 per month.
Here is the government website concerning HIPAA. It mainly talks about group insurance; you’ll need to scroll down to the very bottom of the page to get to the part concerning individual insurance. http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
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HIPAA comes to small self-insured companies.(Human Resources): An article from: Arkansas Business $5.95 This digital document is an article from Arkansas Business, published by Thomson Gale on July 5, 2004. The length of the article is 745 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: HIPAA comes t… |
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HIPAA Privacy Guide for Employers: A Guide to the New Health Insurance Portability & Accountability ACT Privacy Rules $129.00 Instant HIPAA Compliance Help – BLR’s Privacy Guide HIPAA’s privacy deadlines are in effect as of April 2004, even for smaller employers. But you don’t have to risk noncompliance. BLR’s HIPAA Privacy Guide delivers all the specific analysis, practical policies, and specific procedures you need for step-by-step compliance with the sweeping new privacy changes in the Health Insurance Portability… |
