Health Protection for Individual Insurance

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What Is HIPAA?

The federal government enacted Health Insurance Portability and Accountability Act (HIPPA) to reform healthcare in America. The HIPAA legislation had several objectives:

Does HIPAA Protect American Workers Who Need Individual Insurance?

HIPAA offers the most protection to new employees who want to enroll in an employer's group health plan. However, HIPAA offers limited protection to individuals who have no choice but to switch from a group health plan to individual insurance. This required switch may occur when your employer discontinues health insurance benefits, when you lose your job, or if you decide to become self-employed. Under HIPAA, you are guaranteed the right to purchase individual insurance coverage without the threat of exclusion for pre-existing medical conditions if:

What Can I Do to Ensure That My Rights Are Protected under HIPAA?

One thing you can do is obtain a "certificate of creditable coverage" in writing when you leave your health plan. Your certificate should include:

Do I Need a Lawyer to Help Me with My HIPAA Problem?

Interpreting the HIPAA laws can be complicated. A qualified lawyer can help you understand how you are protected the HIPAA laws. If you believe your health insurance company is acting in bad faith and improperly denying you coverage, an attorney will know all the ins-and-outs of taking on a big health insurance company.

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Last Modified: 09-09-2014 04:21 PM PDT

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