HIPAA Portability: Your Fast Coverage Checklist

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Okay, so youre thinking about HIPAA Portability, huh? Unlock Your HIPAA Rights: Portability Made Simple . Its not as scary as it sounds, promise! Think of it like this: youre changing jobs, or maybe losing your current health insurance coverage for some reason. managed services new york city HIPAA Portability basically lets you keep your health insurance going, or at least makes it easier to get new coverage, without getting totally screwed over.


Heres a kinda-sorta-fast checklist, but remember, Im not a lawyer or anything, okay? Just a helpful voice on the internet.


First thing, you gotta keep track of your "certificate of creditable coverage." managed service new york This is a piece of paper, or maybe an electronic document these days, that proves you HAD health insurance. managed service new york Your old employer or insurance company should give it to you when your coverage ends, but sometimes, ya know, they dont. So, bug em if you dont get it. Its super important!


Next, timing is everything. You usually only have a limited window to sign up for new coverage after your old coverage ends. Like, 63 days maybe? managed services new york city Miss that window and you might be waiting for a whole new open enrollment period. Nobody wants that!


Then, understand pre-existing conditions.

HIPAA Portability: Your Fast Coverage Checklist - managed services new york city

    HIPAA helps protect you here.

    HIPAA Portability: Your Fast Coverage Checklist - check

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    It says if youve had health insurance for at least 12 months without a break (thanks to that certificate of creditable coverage!), your new plan usually cant deny you coverage or charge you more because of a pre-existing condition. Sweet!


    Make sure to research your options.

    HIPAA Portability: Your Fast Coverage Checklist - managed services new york city

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    COBRA is often an option, letting you keep your old employers plan, but it can be pricey, like REALLY pricey. Look into marketplace plans! Maybe your new employer has a great plan. check Shop around!


    Finally, dont be afraid to ask questions! Talk to HR, talk to insurance brokers, google stuff (but be careful what you read!), and just generally try to understand whats going on. This stuff can be confusing, but you got this! Good luck!

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    HIPAA Portability: Your Fast Coverage Checklist