[Previous Months][Date Index][Thread Index][Join - Register][Login]
  [Message Prev][Message Next][Thread Prev][Thread Next]

Re: [IP] Cigna Insurance

Here is a little information on the Federal HIPPA ACt of 1996.  More can be 
read at http://www.hep-c-alert.org/links/hippa.html#prex

HIPPA - Health Insurance Portability and Accountability Act of 1996

HIPPA doesn't do much for people who don't have health insurance in the first 
place.  It does help people from losing benefits they already have.
HIPPA was designed to ease "job lock" - people's reluctance to move from one 
company to another for fear of losing their health benefits.  HIPPA offers 
protection, but has plenty of loopholes, conditions, and exceptions.  You need 
to know what HIPPA does and does not do for you. 

PRE-EXISTING CONDITIONS: A preexisting condition is something for which you 
have been treated or diagnosed in the last six months (including prescription 
medication).  A health insurance company can refuse to pay for a preexisting 
condition, but only for 12 months.  If you are a late enrollee in a group 
health plan, you may have to wait up to 18 months for coverage of preexisting 

If you've been Continuously Covered under another plan, your new health plan 
must give you credit for time served.  If you move from one company to another 
and you've already been denied coverage for a preexisting condition for 12 
months, the new plan must cover your condition.  Continuous Coverage means that 
you have not let your health insurance coverage lapse for more than 62 days in 
the last 18 months.  If you have had more than a 62 day break in coverage over 
the last 18 months, your new health policy can apply the 12 month pre-existing 
condition waiting period. 
for HELP or to subscribe/unsubscribe, contact: HELP@insulin-pumpers.org
send a DONATION http://www.Insulin-Pumpers.org/donate.shtml