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Exhausted or Expiring COBRA Benefits?
You are guaranteed coverage under HIPAA if you haven't:
- Had less than 18 months of continuous creditable coverage
- Qualified for a group health plan, or Medicare / Medicaid
- Bought private individual or family health insurance
- Had your policy canceled for nonpayment of
premiums (unless your employer slow payed)
- Violated health plan rules
- Moved outside of your insurer's service area
If you meet these requirements, any insurer offering individual health
plans in your region can't refuse your application, but must offer an individual plan under HIPAA. Federal laws don't set premiums, which are high.
Under, HIPAA, you can't be denied coverage for:
- Mental illness
- Disability
- Past claims
- Pregnancy
Not that federal law does not require health plans to provide maternity coverage of a pregnancy. Check with your state laws to determine if they have rules regarding this.
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