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Colorado HIPAA Health Insurance - Help Finding HIPAA Health Insurance Portability Plans in Colorado

Published Tuesday, September 2, 2008 by bloggerblognet83460 | E-mail this post

This article will provide information for people who need help finding HIPPA health insurance portability plans in Colorado. HIPAA is a federal law that guarantees U.S. residents, including those living in Colorado, the right to buy health insurance coverage. Once you have had a health insurance plan in place, you can use your portability rights to get another one, even if you have a pre-existing health condition.

Your Rights Under Federal Law

Under the provisions of HIPAA (the Health Insurance Portability and Accountability Act), you cannot be denied insurance coverage because of a pre-existing condition if you meet the following criteria (among certain others so be sure and speak with an experienced Colorado health insurance agent):

You have been covered for at least 18 months (this coverage period must end with your having been insured through your work).

You have used up your continuation coverage under the terms of COBRA or those available under Colorado state law.

You haven't had any gaps in your coverage for longer than 63 days.

As you can see, when it comes to exercising your rights under HIPAA, time is of the essence. The good news is that if you meet these criteria, all companies that offer CO individual health insurance coverage must offer to cover you.

Your Rights Under Colorado State Law

Colorado has also passed legislation that regulate conditions under which an insurance company is required to offer to cover you, which pre-existing conditions are covered, and the cap on the amount the company can charge in premiums where there is a pre-existing condition.

If you have questions or need help finding HIPAA health insurance portability plans in Colorado, the Colorado Department of Insurance will be able to help you. You can contact them at 1-800 930-3745 or visit them online. For information about companies offering health insurance to CO residents, why don't you compare rates using a free online quote tool?

Compare Colorado HIPAA Health Insurance Plans Now

If you feel that you may be eligible for a HIPAA health insurance plan in Colorado then be sure and shop around and compare rates from multiple individual health insurance companies.

Whether you are HIPAA eligible or not - get started finding Colorado health insurance today!

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