Hipaa Health Plans
hipaa health plans
How can health insurance be denied when you have had continuous coverage for 7 years straight?
I am currently on COBRA insurance paying $472.00 a month. I have been trying to find an individual plan on my own and have been denied twice for pre-exisitng condtions. How can I have pre-existing conditions when I have health care for 7 years with lapse in coverage. THE HIPPA law states that if you have had continuous coverage for at least 12 months without a 63 day break in coverage, then the pre -existing limitations wouldn’t apply. I feel like I’m being black balled. Who do i need to speak to? The health insurance companies don’t even want to talk about the HIPAA laws.
That portion of the law only pertains to group policies and portability policies, not to regular individual policies. You do have the option to get a portability plan. Most insurance companies offer one or two portability plans. You are guaranteed coverage and your conditions will be covered. You must exhaust your COBRA coverage before becoming eligible. However, the laws do not guarantee premium. Portability policies start at around $1000 per month and go up. The highest premium I’ve seen is $2700 per month.
Here is the government website concerning HIPAA: http://www.dol.gov/dol/topic/health-plans/portability.htm
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