HIPAA Situation 7:
Uninsured and Planning to Enroll in an 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 am uninsured and have been uninsured for at least 63 days or more (a significant gap in coverage). |
No
|
No
|
Yes
|
| I am currently uninsured, but I had insurance until recently, and have not had a gap lasting 63 days or more (a significant gap in coverage). |
No
|
No
|
Maybe
|
[
Return to HIPAA Guide home page]
