Health > HIPAA Coverage
You may be eligible for coverage under
the Health Insurance Portability and
Accountability
Act of 1996 (HIPAA) if you meet certain
criteria. Being eligible for HIPAA
coverage may give you
access to health plans without medical
underwriting or pre-existing condition
waiting periods. To be eligible
for HIPAA coverage, you must meet ALL of the following
criteria:
-
Have elected and exhausted health
insurance benefits through a COBRA or
similar group, state or federal
continuation. This would include the
Federal Employee Health Benefits Program
(FEHBP), FEHBP Temporary Continuation of
Coverage (TCC) or state continuation
coverage, if available.
-
Have 18 months of creditable coverage
with the most recent coverage under an
employer-sponsored plan, governmental
plan, church plan, or a health benefit
plan offered in conjunction with any of
these plans. Certificates of creditable
coverage must indicate at least 18
months of aggregate health insurance
coverage.
-
Have no more than a 62-day break in
coverage.
-
Be ineligible for Medicare A or B,
Medicaid, or any other
employer-sponsored plan.
-
Not be covered by any other health
insurance plan.
-
Your prior coverage was not terminated
because of your failure to pay the
required premium or because you
committed fraud.
If you believe that you meet all the
criteria above, you may be eligible to
apply for HIPAA coverage. You can call
us at 1-800-511-ENET to find out more.
