HIPAA Situation 1:
Moving from an Employer-Sponsored Group Health Plan to Another Employer-Sponsored Group Health Plan
| Length of time I have had insurance coverage: |
Can the plan refuse to enroll me just because I am sick? |
Can the plan charge me more based on my health? |
Can the plan refuse to cover my illness for a period of time, just because my condition was preexisting? |
| I have had at least 12 months of health insurance coverage without a gap lasting 63 days or more (a significant gap in coverage). |
No
|
No
|
No
|
| I have had fewer than 12 months of health insurance coverage. |
No
|
No
|
Yes
|
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