|COBRA ending, now what
Apr 30, 2007
My COBRA coverage will be running out soon. I have paid my premiums on time every month but I am worried about trying to find someone who will insure me. Can a HIPAA policy invoke pre-existing condition exclusions or jack up rates sky high on me?
| Response from Ms. Franzoi
When your COBRA coverage ends, you will be eligible for a HIPAA policy as long as you don't have a break in coverage of 63 days or more. Since your COBRA coverage was 18 months, you have had more than 12 months of coverage so there could not be a pre-existing condition exclusion for you in the policy. However, HIPAA policies are more expensive than standard rated policies.
Get Email Notifications When This Forum Updates or Subscribe With RSS
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.