This
site contains over 10,000 pages of COBRA info, questions and answers. Resolve your problem below.
Exhausted or Expiring COBRA Benefits?
You are guaranteed coverage under HIPAA if you haven't:
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.
