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Q: I am currently enrolled under a cobra plan for health insurance and am also permanently disabled as per Social Security. I am moving to another state that my current insurer does not do business in and am not eligible for Medicare for another 19 months. My question is, will I be able to get new health insurance coverage under HIPPA, which would include my existing condition, until Medicare becomes effective?
A: HIPAA restricts the way group health plans apply pre-existing condition limitations to its plan participants. It also applies to some indvidual plans. You will need to contact your state's Department of Insurance at www.naic.org to find out what plans you could qualify for. If you are interested in a guaranteed issue, limited medical plan, Click Here for more details.
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