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The Louisiana legislature, in conjunction with the Department of Insurance, has approved the HIPAA Plan, making available comprehensive major medical benefit coverage for Louisiana residents.
Usually, pre-existing conditions are covered immediately. If you complete your enrollment in the HIPAA Plan within the 63-day time frame, this coverage is guaranteed to be renewable. These advantages may not be available to you in other plans.
Under state law, if your individual insurance carrier has elected to discontinue all health insurance coverage or an individual health insurance product in the individual market in Louisiana, you may be eligible for coverage.
YOU MAY BE ELIGIBLE
To be eligible for HIPAA coverage, you must be a Louisiana resident and:
· Your most recent health insurance coverage must have been under a group plan; or under an individual plan where the carrier has elected to discontinue all health insurance coverage or an individual health insurance product in the individual market in Louisiana
If your coverage was under an eligible individual plan, you must have had all 18 months of previous, continuous coverage in the state of Louisiana
· You must have a total of 18 months of “Creditable Coverage”; and
· You must not be eligible for health insurance coverage under another group plan, Medicare or Medicaid; and
· You must not be covered by any major medical health insurance plan; and
· If applicable, you must have elected and exhausted all COBRA and continuation benefits.
· Your most recent coverage must not have been terminated because of non-payment of premium, fraud or material misrepresentation.
To be eligible for the HIPAA pool, your application MUST be postmarked within 63 days of the ending date of your group coverage or COBRA benefits or the date that your individual health insurance carrier terminated your coverage.
You will need a Certificate of Creditable Coverage (sometimes called a Certificate of Portability) from your current group insurance company or COBRA carrier. The Certificate is a letter that lists the date your group coverage began and the date the coverage ended. Your health carrier normally will not issue this until AFTER your coverage has ended. Therefore, you will not be able to include it with your application. A copy of the Certificate of Creditable Coverage can be mailed or faxed to Louisiana Health Plan (LHP) when you receive it.
If your insurance carrier stopped writing business in Louisiana, we will need a copy of the letter of notice you received from the insurance carrier notifying you when your coverage will end. You must continue coverage until the ending date.
If your application is received at the LHP office before your group coverage or COBRA benefits are exhausted (or the date that your individual insurance carrier will end your coverage because they are terminating business in Louisiana) your coverage will begin the day after your coverage expires.
If your application is received at the LHP office after your coverage expires (but within 63 days), your coverage will begin on the postmark date.
Read Louisiana Health Insurance News or find a Louisiana Health Insurance Agent
The Louisiana legislature, in conjunction with the Department of Insurance, has approved the HIPAA Plan, making available comprehensive major medical benefit coverage for Louisiana residents.
Usually, pre-existing conditions are covered immediately. If you complete your enrollment in the HIPAA Plan within the 63-day time frame, this coverage is guaranteed to be renewable. These advantages may not be available to you in other plans.
Under state law, if your individual insurance carrier has elected to discontinue all health insurance coverage or an individual health insurance product in the individual market in Louisiana, you may be eligible for coverage.
YOU MAY BE ELIGIBLE
To be eligible for HIPAA coverage, you must be a Louisiana resident and:
· Your most recent health insurance coverage must have been under a group plan; or under an individual plan where the carrier has elected to discontinue all health insurance coverage or an individual health insurance product in the individual market in Louisiana
If your coverage was under an eligible individual plan, you must have had all 18 months of previous, continuous coverage in the state of Louisiana
· You must have a total of 18 months of “Creditable Coverage”; and
· You must not be eligible for health insurance coverage under another group plan, Medicare or Medicaid; and
· You must not be covered by any major medical health insurance plan; and
· If applicable, you must have elected and exhausted all COBRA and continuation benefits.
· Your most recent coverage must not have been terminated because of non-payment of premium, fraud or material misrepresentation.
To be eligible for the HIPAA pool, your application MUST be postmarked within 63 days of the ending date of your group coverage or COBRA benefits or the date that your individual health insurance carrier terminated your coverage.
You will need a Certificate of Creditable Coverage (sometimes called a Certificate of Portability) from your current group insurance company or COBRA carrier. The Certificate is a letter that lists the date your group coverage began and the date the coverage ended. Your health carrier normally will not issue this until AFTER your coverage has ended. Therefore, you will not be able to include it with your application. A copy of the Certificate of Creditable Coverage can be mailed or faxed to Louisiana Health Plan (LHP) when you receive it.
If your insurance carrier stopped writing business in Louisiana, we will need a copy of the letter of notice you received from the insurance carrier notifying you when your coverage will end. You must continue coverage until the ending date.
If your application is received at the LHP office before your group coverage or COBRA benefits are exhausted (or the date that your individual insurance carrier will end your coverage because they are terminating business in Louisiana) your coverage will begin the day after your coverage expires.
If your application is received at the LHP office after your coverage expires (but within 63 days), your coverage will begin on the postmark date.
Read Louisiana Health Insurance News or find a Louisiana Health Insurance Agent
