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COBRA/HIPPA
Jun 2, 2001

Does Hippa begin after COBRA ends or does it begin at time of termination of employment with the first company. How long can you continue under COBRA?

Response from Ms. Franzoi

COBRA continuation coverage provides coverage for 18 months after your health care coverage terminates due to termination of employment. If you are totally disabled at the time COBRA commences or within the first 60 days, then COBRA coverage is available for 29 months (the last 11 at 150% instead of 102% of the cost). Once COBRA ends, there might be a conversion policy available. HIPAA provides for the right of an individual who loses coverage to get other coverage without a pre-exisiting condition clause applying or a limit on how long it can apply as long as the person has not gone more than 63 days without coverage. HIPAA also provides a means for someone to purchase an individual policy if he hasn't gone more than 63 days without coverage. Any insurer who is in the individual market must sell health care coverage to an individual regradless of his health status (as long as they haven't gone greater than 63 days without coverage). If not insurable at standard rates, the individual will be able to purchase a HIPAA policy.



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