How To Find Low cost Health Care Insurance In Tennessee
By: Health Insurance
Submitted: 2009-10-21 11:50:42 | Word Count: 353
If you recently lost your health coverage but had 18 months of coverage prior to losing it, you could be eligible for a different type of low cost health insurance in Tennessee. Low cost health coverage in TN can be obtained with the help of the Health Care Insurance Portability and Accountability Act, or HIPAA.
HIPAA actually covers a variety of health-related topics, but if you are reading this you are most interested in one: When workers experience a change in jobs, or lose their jobs, they are entitled to keep health insurance coverage for themselves and their families.
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How does HIPAA make it possible to buy low costhealth coverage in TN? They do so by prohibiting any health insurance company from implementing any “qualifiers” when the time comes to decideon your premiums. Consider this example, they stop the health insurance corporations from using pre-existing conditions to decidehow expensive or low cost health insurance proposals will be. Such pre-existing conditions include your current health status, your (and possibly your family’s) medical history, your genetic information, and even your disabilities. The same health situations that once made you feel it was impossible to find low cost health insurance in Tennessee now mean nothing to your health insurance policy as far as low cost health insurance proposals are concerned.
As far as coverage exclusions go, HIPAA makes it difficult for any health insurance company to place limits on your coverage of pre-existing health conditions if you are coming away from 12 straight months of health coverage from a credible insurer, i.e. Medicare, group health polcies, military-sponsored health coverage. If your previous health insurance company isn’t considered credible or was from a foreign insurer, the new health insurance company can deny payment for the pre-existing health condition medical care.
