HIPAA protection during a job shift

admin — Fri, 14 Aug 2009 09:20:16 +0000

There are many people all over the world who continue to work in the same job for an indefinitely long period of time because they are afraid that they will lose their medical insurance coverage if they decide to shift their jobs. There are many people who have a sick family member in the house who will be in desperate need of their medical insurance coverage. Previously when medical insurance plans were taken, there was a clause in them that permitted certain known medical conditions to be excluded from the medical insurance coverage for a certain period of time. In 1996, the US congress enforced the Health Insurance Portability and Accountability Act. Title One of this act provides medical insurance coverage for people who are shifting their jobs.

People, who are worried about how their medical insurance will be affected when they change their jobs, should definitely take time to consult the human resources department in their office. They will help you in understanding the impact that a job shift would have on your medical insurance. A certain amount of protection is provided by HIPAA for people who would like to shift their jobs. The period of exclusion will vary depending on the individual circumstances of each person. It is quite likely that every person will have to face a certain period of exclusion from his or her medical insurance policy for a particular time period. But this exclusion time period would have been indefinitely long if HIPAA had not been enforced.

If there have no previous intervals in your health insurance coverage, then the length of the exclusion period will be as minimal as possible. If there has been any kind of intermission in the medical insurance coverage within a period of the last two years then this could also have an impact on the medical insurance coverage, which you are likely to receive in the future. A time period of 63 days has been considered to be a reasonable break in the time period for insurance coverage.

If the new company or the new employer has provided a medical insurance which has an exclusion period of twelve months and you have had medical insurance coverage for the last seven months from your previous company with a break of 65 days before that, the medical insurance coverage which was available for the period preceding those 65 days will not be available in the form of credit during the exclusion period of the medical insurance coverage. But the seven months of medical insurance from the previous employer will be counted in the form of credit against the twelve months medical insurance, which is being provided by the new company, and this will reduce the period of coverage to five months.

The rules and regulations with regard to medical insurance coverage can be quite confusing but it is very important to have a clear and complete understanding of all these rules and regulations so that you can ensure that every member of your family gets the right kind of medical care in the event of any emergency

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HIPAA protection during a job shift

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