The Health Insurance Portability and Accountability Act (HIPAA) was first primarily enforced to safeguard the medical insurance for employees and their families when they lost their jobs. This act states that an employer cannot refuse medical insurance for an employee due to any pre-existing complaint. Therefore, it is a huge benefit for employees are it helps thousands of them to get continued medical insurance for them and their families even when they change jobs.

This article explains more about this HIPAA Certificate of Credible Coverage.

-When employees change jobs, they will be able to convert their old health insurance plan to a new one without any issues. This provision is available even if the employee has a pre-existing illness. However, there is a time limit to change over to a new plan, which is generally twelve months for coverage of the pre-existing condition.

-If there is any prior health coverage, the employee is given a credit for it. HIPAA specifies a 12 month period within which the credit has to be obtained. The first employer will generally issue a certificate that specifies the time frame within which the employee can obtain the credit. This certificate enables the employee to show how much credit he/she has when he joins a new organization. If there is a lapse in the insurance coverage for more than 63 days, then the earlier medical coverage will be lost.

-In the event of the employee misplacing or losing his/her certificate of credible coverage, he/she can ask for a new one till about 24 months from the time the coverage ended.

-Employees can use other documents like copy of premium payment, pay slip or any other document to prove that they have a previous medical coverage, if they lose their certificate if credible coverage.

-You can request for your new certificate of credible coverage to be sent to your postal address. The law mandates the health insurance companies to provide you the certificate whenever you ask for it.

Discrimination among employees due to a pre-existing medical circumstance by employers is not allowed. This is a violation of the rules and regulations of the Health Insurance Portability and Accountability Act.

The employees’ previous insurance agency will be required to give you the certificate on request.

One of the primary aims of the Health Insurance Portability and Accountability Act is that employees will not be left without insurance even if they are unemployed for a short period of time or if they change jobs. The fact that the employee has a pre-existing medical condition will not effect this provision of the act in any way. However, employees need to remember that their medical insurance will not lapse for more than 62 days. Hence, it is necessary to have the certificate of credible coverage if they want their health coverage to continue and not expire.

Thus you can see that the HIPAA certificate of credible coverage is highly essential for an employee.

For more information, please visit our HIPAA Certification website.

For more information, please visit our HIPAA Certification website at http://www.hipaaexams.com/hipaa-certification.asp

Author Bio: For more information, please visit our HIPAA Certification website.

Category: Medicines and Remedies
Keywords: HIPAA Certification