|HIPAA Insurance Cost?
Jan 19, 2006
We live in FLA. My partner is HIV positive, and I am negative. We both are covered under a group plan with my employer. I need a career change that involves to be self-employed. Under Cobra, our cost will be $670 a month for both of us. Before I make a final decision about quiting the job, I need to know how much insurance under HIPAA would cost for him. Can you indicate what a monthly price range can be for him? I ounce heard from an insurance agent that it could be up to $1,200 or $1,500 a month. Can this be right? The only medication he takes is Combivir. I guess the new insurance plan for myself will separate to his, is this right? What are a few insurance companies in FLA you suggest I contact? Under HIPAA, are we certain he will be covered for the rest of his life? Thank you!
| Response from Ms. Franzoi
Since you will be eligible for COBRA, you would have to exhaust your COBRA benefits before you would be eligible for a HIPAA policy. However, if your employer doesn't offer COBRA coverage to your partner, your partner would be eligble for a HIPAA policy when his coverage ends. The cost of a HIPAA policy varies by zip code, plan design, age, etc. The best way to get an idea of the cost would be to contact a local insurance broker and ask him to provide you with the options available in your area and the associated premiums.
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