L
linn
Guest
Illinois-I currently have a health insurance policy through an alumni association. The plan, which was administered by the university,will be discontinued in August. They are speaking to other insurance carriers who are going to replace this coverage but are stating that they are going to require a waiting period for preexisting conditions of one to two years.
I spoke to the state insurance office and the first person I spoke to said that under the HIPPA law they could not require a waiting period when going from one group to another. The second person said that what the insurance companies were doing was legal as I am with an association and the law doesn't apply. The alumni association also mentioned it would now be considered an individual policy and that HIPPA doesn't apply. Who is correct in my case? I also don't understand why it isn't still considered a group plan.
Also, are there more reasonable alternatives to CHIP?
[Edited by linn on 04-16-2001 at 09:54 AM]
I spoke to the state insurance office and the first person I spoke to said that under the HIPPA law they could not require a waiting period when going from one group to another. The second person said that what the insurance companies were doing was legal as I am with an association and the law doesn't apply. The alumni association also mentioned it would now be considered an individual policy and that HIPPA doesn't apply. Who is correct in my case? I also don't understand why it isn't still considered a group plan.
Also, are there more reasonable alternatives to CHIP?
[Edited by linn on 04-16-2001 at 09:54 AM]