|What is HIPPA Insurance?
Mar 14, 2006
Thank you for this amazing service. I have been searching for more than 1 year looking for questions regarding COBRA, health insurance, HIPPA, etc and am soooo relived to find this site.
My question is: I recently came off of COBRA (through my previous employer's health plan). The insurance company (in GA) is offering an "Enhanced Conversion Policy" to me that costs $300 with very high deductibles. Is this the same as the HIPPA plan that the insurance company has to provide?
How can I find another insurance plan that would take me on an individual policy, or is that next to impossible?
Thanks for your help and advice!
| Response from Ms. Franzoi
No. That is a conversion policy. You should check with a local insurance broker to find out what HIPAA policies are available to you in Georgia. You will be eligible for a HIPAA policy as long as you don't have a break in coverage greater than 63 days. Even if the policy has a pre-existing condition clause, it will have to recognize your period of prior coverage towards it. HIPAA policies are usually more expensive than standard-rated policies and the benefit levels vary. Blue Cross, Blue Shield as well as local HMOs usually offer HIPAA policies.
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