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HIPAA
Health Insurance Portability and Accountability
Act of 1996 (HIPAA) that set out Regulation/
Standardizations for Privacy,
Portability, Administrative simplification for health plans.
HIPPA Privacy Guidelines for member reference
Use
this weblink to access the website of the
Department of Health and Human Services.
Select the questions and answers
category.
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COBRA
COBRA (Consolidated Omnibus Budget Reconciliation Act) gives employees and their families the right to continue group health
and dental coverage under their group plan for limited periods of time.
Qualifying events for continuation of coverage
include: voluntary or involuntary job loss, reduction in hours worked, death, divorce, and over-age dependents.
Qualified
individuals may be required to pay the entire premium plus administration charges.
Some states have continuation laws
that apply to groups that fall below the COBRA threshold. Please refer to the State Department of Insurance website.
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