The Health Insurance Portability and Accountability Act of 1996 Protects health insurance coverage for workers and their families when they change or lose their jobs in that the waiting period for the new coverage must credit the time you had with your prior coverage - "credible coverage."
Another BIG feature is that there is a GUARANTEE that after your Federal COBRA and Cal-COBRA (CA) expires (cancels, lapses, terminates), especially if you have a Pre-existing condition - that you are guaranteed to be able to get coverage from any Individual Insurance Company or HMO. Check out our HIPAA information, benefits, rates and applications.
HIPAA also has protections for Privacy Issues
Consumer Links
DOL 30 Page Explanation of HIPAA DOL Overview Main Overview Page Q & A More Q & A
Disabilty Benefits 101.org
CMS Website HIPAA law summary HIPAA law detail HIPAA clarify
Wikipedia on HIPAA
Testimonial from a Happy HIPAA Camper
Lapse? Re-Instatement? Grace Period?
Similarly Situated Individuals - Protections
Technical & Research Links
Advanced Benefit Consulting - Compliance Manual Order Page
Human Resources Web Site
(Findlaw) HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (Public Law 104-191, 104th Congress) (with revisor's notes)
Federal REQUIREMENTS RELATING TO HEALTH INSURANCE COVERAGE Part A—Group Market Reforms Part B—Individual Market Rules Part C—Definitions; Miscellaneous Provisions
Health & Human Services - Office for Civil Rights HIPAA
California HIPAA - Health & Safety Code §130300 - 130317 Office of HIPAA Implementation HIPAA Compliance
State HIPAA Laws CMS
California Code of Regulations
CA Letter enforcing that all COBRA contracts must inform about HIPAA
The Health Insurance Portability and Accountability Act (HIPAA) - HIPAA is a federal law that limits pre-existing condition exclusions, permits special enrollment when certain life or work events occur, prohibits discrimination against employees and dependents based on their health status, and guarantees availability and renewability of health coverage to certain employees and individuals.
