HIPPA

What is the HIPPA?

The Health Insurance Portability and Accountability Act, commonly known as HIPAA, is a federally enacted law passed by Congress in 1996. The HIPPA provides consumer protection and rights to help individuals maintain and secure health coverage during times of job change, divorce, moving from one state to another, or pregnancy. To qualify for the benefits and protections under this law, you must meet a number of federally defined criterias.

Who Qualifies Under the HIPPA?

To qualify for the HIPPA, you must meet all of these requirements:

• must have had 18 months of creditable coverage
• have been covered under a group, government or church plan
• did not lose coverage due to non-payment of fraud
• do not qualify for Medicare, a group plan or Medicaid
• have no other health insurance
• have elected and exhausted your COBRA coverage.

How the HIPPA Can Help You

Knowing your rights under the HIPPA will help you take full advantage of all the options available to you and your family for full health care coverage. If you are eligible under HIPAA law and apply for individual coverage within 63 days of losing your group health coverage, the Health Insurance Portability and Accountability Act guarantees that you will have at least two coverage options and not be subjected to pre-existing exclusions. Besides that, you can obtain individual coverage through individual plans, high-risk pool plans or a state plan. Understanding how the HIPPA pertain to you will give you the best advantage if and when you need to find health coverage.

Health Insurance Nexus | US : The US Health Insurance Resource, conceptualized in Dec, 2004, is an online portal which provides up-to-date, pertinent information about health insurance in US..