Welcome, Guest. Please login or register.
December 06, 2016, 03:54:50 PM

Login with username, password and session length

  • Total Posts: 704519
  • Total Topics: 56081
  • Online Today: 271
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 AM)
Users Online


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: HIPPA Insurance Policy  (Read 1946 times)

0 Members and 1 Guest are viewing this topic.

Offline ChristopherSF

  • Member
  • Posts: 20
HIPPA Insurance Policy
« on: November 26, 2007, 07:38:16 PM »
I've been on Cobra coverage since a layoff last year and my benefits are about to come to an end.  I would love to hear from anyone who converted their group plan to an individual HIPPA policy.    Is one insurance carrier any better then another?  I currently have Blue Cross in California.  To get a HIPPA policy with them it would run about $457 a month.  The coverages are ok... $30 for my HIV drugs after a $250 deductible and a 30% co-pay everytime I go to the doctor.   Lab work and any major surgery would be paid at 70% after I meet a $1500 deductible.   Does anyone have any better coverage then this or do you think this is a good plan?  Any advice/help would be appreciated.   


Offline Basquo

  • Member
  • Posts: 3,376
Re: HIPPA Insurance Policy
« Reply #1 on: November 26, 2007, 07:54:49 PM »
Educate me on what a "HIPAA Policy" is.  I'm in the dark on the insurance part of that law.    My take is that HIPAA means portability so that you can get COBRA coverage between jobs and instant coverage when you get the new job. After 18 months I think if you don't have a job then you have to pay for private insurance, and you will be subject to preexisting clauses when you do get a job.  Are you just not finding a job you want?

Offline gerry

  • Member
  • Posts: 522
  • Joined AM Feb 2003
Re: HIPPA Insurance Policy
« Reply #2 on: November 26, 2007, 10:35:37 PM »
Sorry, I don't have any advice on which individual policy to choose...try to get as much information regarding your state regulations surrounding individual policies.  From what I heard, because this is not as much regulated as a group policy, you can be subjected to big jumps in premiums that the law allows when it's time to re-enroll.  This is because you do not carry the benefit of a risk pool that group coverages can afford its members. 

If you are just doing this until you find another job, then remaining in an affordable individual policy would be the right step until you find your new employment.  And in response to Creighton's post, individual policies do count as creditable coverage which would allow you to transition to a group plan by your next employer without being subjected to pre-existing condition as long as there is no lapse in coverage of over 63 days.


Offline CowboyPOZ

  • Member
  • Posts: 61
Re: HIPPA Insurance Policy
« Reply #3 on: November 27, 2007, 03:04:19 AM »
ok I am confused. If you don't have health insurance for 18 months consistantly a new employers insurance company can exclude any pre-existing conditions? I am insurance stupid so please help me out.

Offline gerry

  • Member
  • Posts: 522
  • Joined AM Feb 2003
Re: HIPPA Insurance Policy
« Reply #4 on: November 27, 2007, 08:56:00 AM »
He has COBRA which is essentially a continuation health insurance coverage from his former employer that he is entitled to; only difference is he (or in some cases, ADAP) pays the premium to avail of the insurance coverage.  There is also a time limit in which someone can avail of this (12 to 18 months, depending on ones circumstances) after which he has to convert to an individual policy if he wants to continue getting insurance coverage, unless the person gets another employment with health insurance or finds another source of coverage.



Terms of Membership for these forums

© 2016 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.