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Posted by Dave on April 22, 2004 at 18:09:21:

In Reply to: Re: Individual Health Insurance after COBRA posted by John on April 21, 2004 at 19:15:17:

Actually, HIPAA law governs this for all states which in turn interpret enrollment individually(by state rule).

Expiration of COBRA term (18, 29 or 36 months) qualifies the beneficiary for guaranteed-issue indiviudal coverage under HIPAA within 63 days of the last COBRA date. This applies to all 50 states.

Each state handles HIPAA plans differently. Some have the individual& family market carriers offer plans under HIPAA and others run it through the state major risk pool.

Check Texas HIPAA enrollment rules to see how this is handled there. But he is eligible for guaranteed-issue coverage under HIPAA.

Dave

: They do have to offer COBRA for an 18 month term, but once that term is up there's no law I'm aware of that says he HAS to eligible for conversion to single coverage.

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Subject: Re: Re: Re: Individual Health Insurance after COBRA

Comments:
: Actually, HIPAA law governs this for all states which in turn interpret enrollment individually(by state rule). : Expiration of COBRA term (18, 29 or 36 months) qualifies the beneficiary for guaranteed-issue indiviudal coverage under HIPAA within 63 days of the last COBRA date. This applies to all 50 states. : Each state handles HIPAA plans differently. Some have the individual& family market carriers offer plans under HIPAA and others run it through the state major risk pool. : Check Texas HIPAA enrollment rules to see how this is handled there. But he is eligible for guaranteed-issue coverage under HIPAA. : Dave : : : They do have to offer COBRA for an 18 month term, but once that term is up there's no law I'm aware of that says he HAS to eligible for conversion to single coverage.

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