answersLogoWhite

0


Best Answer

HIPAA is not insurance. HIPAA is the Heath Information Portability and Accountability Act passed by congress to protect persons Personal health Information (PHI). There is a clause in HIPAA that states you will receive a certificate of credible coverage for the months you had coverage to waive any pre-existing wait period a new policy may have. Other than that HIPAA only applies to the handling of PHI by insurance companies and third party entities whom work with insurance companies. If you are laid off of your job your employer MUST offer you continuation of the EXACT SAME coverage you had as an employee when you were actively employed. This was also an act passed by congress called COBRA (Consolidated Omnibus Reconciliation Act). The catch is that while you worked there you may have been paying.. say $40 a month for your insurance and your employer was paying the rest. Once you agree to continue your policy under COBRA .. YOU will be paying the ENTIRE premium. So if the premium was $200 when you worked then.. and you were paying $40 a month.. now youll b paying the entire $200. COBRA is only effective for 24 months after you term employment. You also have a limited amount of time to accept the COBRA offer. I hope this helps:) Evan

User Avatar

Wiki User

11y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: If you have insurance under hippaa and drop that insurance because your employer starts offering health insurance will you still qualify for hippaa coverage if you get laid off?
Write your answer...
Submit
Still have questions?
magnify glass
imp
Related questions

Terminated health coverage because employer did not pay the bill. Is his legal?

Insurance companies have the legal right to terminate insurance coverage when the monthly premium is not paid as agreed.


Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?

My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO. If a company offers a family health plan, they CANNOT specify that a spouse take other insurance if available. They CAN require that if you are declining coverage from them (your own employer), that you show you have coverage elsewhere.


Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?

No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.


Can you cancel your insurance with your employer because you have insurance through your spouse?

Yes. It may be a hassle, but it is important to choose the best coverage at the least cost for your family.


What is employer provided health insurance coverage?

It is exactly what it says. The EMPLOYER provides health insuance coverage if you desire to avail yourself of it. The employer MAY cover all of the cost, some of the cost or none of the cost. But, because you are part of a group insurance plan, the cost will generally be less than finding a policy on your own.


What is insurance coverage?

some patients have two insurers because both spouses receive coverage through their employer or because they have purchased an HMO policy to supplement the deficiencies of a basic polic, such as Medicare.


What is dual insurance coverage?

some patients have two insurers because both spouses receive coverage through their employer or because they have purchased an HMO policy to supplement the deficiencies of a basic polic, such as Medicare.


What is employers non ownership auto liability insurance?

An employer's non-owner is usually an endorsement to a commercial auto or commercial general liability policy that is actually called hired and non-owned coverage. I always recommend this endorsement to my commercial clients because it is very inexpensive and provides coverage to the employer in cases where an employer has to drive to the bank or post office or similar errands. If an accident occurs the endorsement provides coverage for the employer only. It does not provide coverage to the employee who is still required to carry their own insurance. it provides secondary coverage only.


Who's responsible for the bill if your wife's insurance dropped you because your employer offered insurance then you became ill and found out you were not covered?

Why didn't you take coverage from YOUR employer? Did you sign a waiver at your wife's job? Why weren't you covered at your job? Were you offered COBRA? www.SteveShorr.com/cobra.htm


Can you drop insurance with your employer and use your spouses insurance as primary?

yes If you drop your insurance, your spouse's insurance would not be primary. It would be the only insurance you'd have. "Primary" only comes into play if you are covered by more than one policy. You should check carefully before dropping your own insurance. First of all, be sure your spouse can get family coverage through his employer. My employer only offers individual coverage because family coverage is so expensive. Second, if you both have family coverage, keep the policy with the best benefit-to-cost ratio. If your spouse's policy is cheap but has a high deductible, and yours is more expensive but has only fairly small co-pays, you may have reason to chose one over the other. Or, keep the insurance of the spouse whose job is most likely to still exist several years into the future. If I dropped my insurance I would ask my employer to increase my salary since benefits are part of your compensation, and dropping your insurance saves your employer a great deal of money.


What are some famous pet insurance companies in the US?

There are also plenty of company offering pet insurance in the US because there are many pets in America. Some of the famous pet insurance are health condition insurance, or full coverage for hereditary and congenital conditions for life as standard.


Will I need company healthcare?

If your employer offers healthcare as a benefit, then it's a good idea to accept it. It's important to have insurance coverage because it's very costly when you have to pay out of pocket.