 |
 |
 |
 |
   |
What is the HIPAA law?
The Health Insurance Portability and Accountability Act (HIPPA) was signed into law on August 21, 1996. This law requires all group insurance carriers to accept every eligible individual without regard to health status for groups with 2 - 50 employees. The carrier can impose a 12 month penalty for pre-existing conditions if the member has not had 18 months worth of prior coverage without a 63 day gap in coverage. If the employee and dependents can supply proof of at least 18 months of prior coverage via one or more certificates of creditable coverage from carriers, all pre-existing conditions must be covered by the carrier. It is important to note that the pre-existing condition exclusions have been eliminated for pregnancy. A pre-existing condition limitation cannot be applied for a newborn, an adopted child or a child placed for adoption under the age of 18 if the individual becomes covered under creditable coverage within 30 days of birth, adoption, or placement of adoption. Return to Frequently Asked Questions |
|
About Us ·
Group Quotes ·
Individual Quotes ·
Customer Service
Industry Links · Glossary of Terms · Things to Consider · Ask Robbi Frequently Asked Questions · Privacy Policy · Disclaimer · Contact Us · Home |
|
|
|