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Can I be denied insurance coverage after I have exhaused my COBRA? If I have a preexisting medical condition can the HIPPA law help me?
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Q:   I need help with HIPAA: When I retired I did not know that I could not get an individual health insurance plan because of my weight. I am now getting my health insurance through the 18 month COBRA insurance from my previous employer. My insurance runs out in February 2008 and I do not turn 65 until December 2008. Therefore I need insurance for 10 months. From what I have been reading, Does this mean that after using up my 18 months of COBRA insurance from my previous employer’s group plan, that I can apply for an individual insurance plan with ANY provider and they have to accept me?


A:  HIPPA restricts the way group health plans apply pre-existing conditon limitations to its plan participants. It does not apply to individual health plans.

 

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