If you recently lost your medical coverage but had 18 months of coverage prior to losing it, you could be eligible for a different kind of affordable health insurance in Tennessee. Inexpensive health coverage in TN can be obtained with the help of the Health Insurance Portability and Accountability Act, or HIPAA.
HIPAA actually covers a variety of health-related topics, but if you’re reading this you’re most interested in one: When employees experience a change in jobs or lose their jobs, they are entitled to keep health insurance coverage for themselves and their families.
How does HIPAA make it possible to obtain inexpensive health coverage in TN? They do so by prohibiting any health insurance company from implementing any ‘qualifiers’ when the time comes to decide on your premiums. For example, they stop the health insurance companies from using pre-existing conditions to determine how expensive or cheap health insurance quotes 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 affordable health insurance in Tennessee now mean nothing to your health insurance policy as far as cheap health insurance quotes 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 medical coverage from a credible insurer, i.e. Medicare, group health plans, 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.