|From COBRA to what ?
Sep 3, 2002
Do you know any resources for insurance services or plans being HIV +? Recently I was laid off, I have taken cobra coverage. I would like to privately obtain insurance to avoid any future lapse in coverage. I have not found many resources or answers about this subject. If I lapse coverage what happens? How would a future insurance policy determine a pre-existing condition? Does this vary by state? Sorry for all the questions any assistance at all would be appreciated...
| Response from Ms. Franzoi
Once COBRA coverage ends, if the plan you were covered under was an insured plan, you could be eligible for a conversion policy. (Contact the plan administrator to find out if conversion is available.) Another option would be to contact an insurance broker for a HIPAA policy. HIPAA coverage would only be available if you don't have a lapse in coverage or if you do that it was less than 63 days. A HIPAA policy would recognize your prior period of coverage towards any pre-existing condition exclusion period.
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