Periods that must be met before benefits are available. Ask
your agent for more information or call 1-800-289-6574 for
enrollment forms.
Health Insurance Plan Of California (HIPC)
The State of California sponsored a health
insurance pool for small employers (3-50 full-time employees).
It guarantees coverage to employees in any one of 20 different
health plans offered through insurance companies or HMOs at
more favorable rates. Your employers can get more information
from an insurance agent or by
calling HIPC at 1-800-447-2937.
Medicare
A Federal program which provides medical insurance
for people over 65 and for those who are permanently disabled.
Contact your local Social Security Office for a copy of the
current Medicare handbook.
Medicaid(Called MediCal in California)
It is funded jointly
by state and federal governments but administered by each
state. Medicaid provides medical assistance to low-income
families and individual of all ages participating in cash-assistance
programs. Medicaid recipients usually do not need private
health insurance. Contact your local county Social Services
Department for eligibility requirements.
The Health Insurance Portability and Accountability Act [HIPAA]
An individual who may have difficulty obtaining individual
coverage because of pre-existing medical conditions should
contact a qualified health insurance agent and ask for information
on "HIPAA-ELIGIBLE, guaranteed-issue" individual
health plan. An individual may be eligible to purchase an
individual health policy without evidence of good health if
she/he meets the following requirements:
1)The individual, or covered dependent,
has been covered under an employer-sponsored health benefit
plan, including COBRA or CalCOBRA continuation coverage,
for at least 18 months.
2)The individual terminated employment
and must have elected continuation coverage under COBRA/Cal-COBRA.
3)All available COBRA/Cal-COBRA continuation
coverage has been exhausted;(If an employer terminates its
existing group health plan entirely, no more continuation
coverage is "available" through that employer
or through a successor employer’s plan, continuation coverage
has been exhausted).
4)The individual submits an application,
and a "certificate of Prior Coverage" or an acceptable
equivalent, for individual coverage to an insurance carrier
or an HMO within 63 days of the termination of the group
health benefit plan. The individual does not purchase any
kind of other individual coverage,including a conversion
policy, a short-term interim plan, the Managed Risk Medical
Insurance Plan for uninsurable parties or a medically.
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