http://www.robinsblog.com/08052009/health-insurance-coverage-for-the-unemployed-when-your-cobra-runs-out-hipaa/ Resources for Web Development Students Fri, 25 Dec 2009 23:51:48 +0000 hourly 1 http://wordpress.org/?v=3.2.1 http://www.robinsblog.com/08052009/health-insurance-coverage-for-the-unemployed-when-your-cobra-runs-out-hipaa/comment-page-1/#comment-93965 Robin Wood Thu, 06 Aug 2009 14:57:44 +0000 http://www.robinsblog.com/?p=1387#comment-93965 Thanks, we appreciate this information! Thanks, we appreciate this information!

]]> http://www.robinsblog.com/08052009/health-insurance-coverage-for-the-unemployed-when-your-cobra-runs-out-hipaa/comment-page-1/#comment-93963 Cobra Help Thu, 06 Aug 2009 11:14:16 +0000 http://www.robinsblog.com/?p=1387#comment-93963 Though this is right, there is no easy way to get this coverage. Insurance carriers for one do not want you on a policy through HIPAA because that means you most likely have some kind of pre-existing conditions. If you didn't, you could have just gone through medical underwriting on any carrier. Insurance, by definition, is the avoidance of a unknown catastrophic loss. A carrier knows there going to suffer a loss if you have a condition, and they don't want that if they can avoid it. A Carrier will deploy many different techniques to try and get you to not take a HIPAA Plan. Unless you know exactly the right forms to fill out and how to fill those forms out correctly, you will still get denied, though the law is on your side. "The law has nothing to do with right or wrong, fair or unfair. The law is about which side can afford to make the other party do that it wishes." Carriers have loopholes, and only by experience can you MAKE a carrier take you, and even then its not easy, but it is possible. P.S. There is only a 63 day window that you can get a HIPAA Guaranteed Plan, and even one hour over and you can be disqualified if the carrier chooses. Though this is right, there is no easy way to get this coverage. Insurance carriers for one do not want you on a policy through HIPAA because that means you most likely have some kind of pre-existing conditions. If you didn’t, you could have just gone through medical underwriting on any carrier. Insurance, by definition, is the avoidance of a unknown catastrophic loss. A carrier knows there going to suffer a loss if you have a condition, and they don’t want that if they can avoid it.
A Carrier will deploy many different techniques to try and get you to not take a HIPAA Plan. Unless you know exactly the right forms to fill out and how to fill those forms out correctly, you will still get denied, though the law is on your side.
“The law has nothing to do with right or wrong, fair or unfair. The law is about which side can afford to make the other party do that it wishes.” Carriers have loopholes, and only by experience can you MAKE a carrier take you, and even then its not easy, but it is possible.
P.S. There is only a 63 day window that you can get a HIPAA Guaranteed Plan, and even one hour over and you can be disqualified if the carrier chooses.

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