Health Insurance: Your Portability Guide

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Okay, so youre thinking about health insurance portability, huh? Health Insurance Portability: Expert Advice for Seniors . managed service new york Its a mouthful, I know! managed services new york city Basically, its all about being able to switch health insurance plans, usually when you change jobs, without losing credit for any pre-existing conditions you might have. check Think of it like this: youve been paying into the system, and you shouldnt get penalized just cause youre moving on to something new. managed it security services provider Makes sense, right?


Now, the big thing you wanna remember is HIPAA, the Health Insurance Portability and Accountability Act. Thats the law that makes portability possible. It basically says insurance companies gotta give you credit for prior coverage if youve been continually covered for a certain amount of time and havent had a break in coverage longer than 63 days. Sixty-three days! Thats key! Dont mess it up!


To make it all work smoothly, youll probably need whats called a "certificate of creditable coverage" from your old insurance company. This paper thing proves you had previous coverage. managed service new york Keep this safe!

Health Insurance: Your Portability Guide - check

    Your new insurance company will use it to figure out if you have to wait for coverage of any pre-existing conditions.


    Now, it aint always sunshine and rainbows. Sometimes, even with portability, you might still have a waiting period for certain things. It all depends on the specifics of your new plan and your old one. And, sometimes, the new plan might not cover the exact same doctors or hospitals as your old one. So, do your research!


    Dont just assume everything will automatically transfer over perfectly. Ask questions! Talk to HR at your new job, and read the fine print of your new policy. Understanding your rights and responsibilities is super importent.


    Portability is a good thing, it helps protect you. check check But you gotta do your part to make it work!

    Health Insurance: Your Portability Guide - check

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    Good luck with the job change!

    managed services new york city
    Health Insurance: Your Portability Guide