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HIPAA amended the Employee Retirement Income Security Act (ERISA), to provide new rights and
protections for participants and beneficiaries in group health plans. Understanding this amendment is
important to your decisions about future health coverage. HIPAA contains protections both for health
coverage offered in connection with employment (group health plans) and for individual insurance policies
sold by insurance companies (individual policies).
If you find a new job that offers health coverage, or if you are eligible for coverage under a family member's
employment-based plan, HIPAA includes protections for coverage under group health plans that:
If you choose to apply for an individual policy for yourself or your family, HIPAA includes protections for
individual policies that:
protections for participants and beneficiaries in group health plans. Understanding this amendment is
important to your decisions about future health coverage. HIPAA contains protections both for health
coverage offered in connection with employment (group health plans) and for individual insurance policies
sold by insurance companies (individual policies).
If you find a new job that offers health coverage, or if you are eligible for coverage under a family member's
employment-based plan, HIPAA includes protections for coverage under group health plans that:
- * Limit exclusions for preexisting conditions
* Prohibit discrimination against employees and dependents
based on their health status
* Allow a special opportunity to enroll in a new plan to
individuals in certain circumstances
If you choose to apply for an individual policy for yourself or your family, HIPAA includes protections for
individual policies that:
- * Guarantee access to individual policies for people who
qualify
* Guarantee renewability of individual policies
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WILDER, P.C.
BAPTISTE