Finding HIPAA polcies.
Apr 23, 2010
How does one find a HIPAA policy once one's COBRA extension expires? I understand the basic premise that one can use COBRA and or equivalent extension of a Health Insurance policy when leaving an employer, and I understand that at the end of the COBRA or other extension program a person may apply for a individual health insurance policy pursuant to HIPAA, so long as there is a gap no greater than 63 days from the end of the COBRA or equivalent extension. In my case, I am a university graduate student, I will be leaving my program but have not yet found future employment. I am eligible to extend my student health insurance for up to 12 months after I leave my program (this is in lieu of COBRA). At the end of that twelve month extension, how do I then find a personal HIPAA policy? What sort of resources are available to me as an individual? Would one use brokers or social workers or state government websites to help find these policies? Would one have to contact individual HMO's to learn their policy options?
Response from Ms. Franzoi
Any isnurance company that sells individual policies will have a HIPAA policy. Check with BlueCross or BlueShield. An insurance broker could help you.
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