Quote:
Originally Posted by Neilk
Per Wiki, you should be fine thanks to HIPAA
"Title I of HIPAA regulates the availability and breadth of group and individual health insurance plans. It amends both the Employee Retirement Income Security Act and the Public Health Service Act.
Title I also limits restrictions that a group health plan can place on benefits for preexisting conditions. Group health plans may refuse to provide benefits relating to preexisting conditions for a period of 12 months after enrollment in the plan or 18 months in the case of late enrollment.[1] However, individuals may reduce this exclusion period if they had health insurance prior to enrolling in the plan. Title I allows individuals to reduce the exclusion period by the amount of time that they had “creditable coverage” prior to enrolling in the plan and after any “significant breaks” in coverage.[2] “Creditable coverage” is defined quite broadly and includes nearly all group and individual health plans, Medicare, and Medicaid.[3] A “significant break” in coverage is defined as any 63 day period without any creditable coverage.[4]" |
Thanks Neil, I spoke directly with my broker and he said we would be fine as well. Though he stated it is now 45 days??? Either way we are covered.