great_and_mighty_adam_levine asked:


Okay, I need to get rid of my employers insurance and buy local individual insurance. This is because my child has been diagnosed with Autism, and my employer’s self-insured plan is not bound by an Indiana law that requires Indiana-based health insurance policies to cover autism therapy. My current plan won’t cover it, but any local individual insurer would have to.

No individual insurance carrier is going to give me insurance unless HIPAA forces them to.

The way I understand it, if I quit, I am offered COBRA, and HIPAA doesn’t force individual carriers to offer insurance until COBRA is exhausted.

However, if I am discharged for gross misconduct, I am not eligible for COBRA. Would that make me qualify for individual coverage through HIPAA?

If so, what could I do that would be considered ‘gross misconduct’ without being bad enough for them to sue me civilly or press charges in criminal court?
In answer to answer #1: HIPAA is the Health Insurance PORTABILITY and Accountability Act.

My info came from:
http://careerplanning.about.com/cs/legalissues/a/hipaa_2.htm
In answer to answer #1: HIPAA is the Health Insurance PORTABILITY and Accountability Act.

My info came from:
http://careerplanning.about.com/cs/legalissues/a/hipaa_2.htm

Delilah

One Response to “How to get Individual Health Insurance through HIPAA law?”

1. hexeliebe on December 19th, 2009 8:27 pm

   The privacy legislation regarding your health care information it has nothing whatsoever to do with.