One More Question & Thanks

Dear Mr. Mostafaie:

Thank you for your kind response.  If I decide to move to another state (I am originally from East Coast - and will probably move back to allow for greater career opportunities in my field) - how do the rules change for the eligibility under HIPPA?

Will I need to ensure I have moved to a new state soon enough to have established appropriate residency before my current COBRA eligibility expires?

You should also know that my BC/BS plan is through New York State (Empire) - as my former employer is based there.

I imagine you'll tell me the rules vary from state to state.  Is there somewhere I can find this information on each state?

Thank you again for your assistance.

Strike3

[Amir Mostafaie]

Dear Strike3,

You are correct in that some rules vary from state to state. The good news is that the HIPAA is a Federal Law & the eligibility rules are same for most States & as long as you obtain another coverage within 62 days of your COBRA expiration, you maintain your eligibility; however the guaranteed issued plans/products available for HIPAA eligible individuals vary from state to state.
You can visit http://coverageforall.org/our_services.htm#apps for a nationwide health insurance matrix including alternative health insurance coverage, available to HIPAA eligible individuals.

Since you disclosed you may move to the east coast, I should mention that NY & NJ States are guaranteed issue to all applicants (means they will not decline or rate anyone on the basis of their health history) & if you happen to move to one of those states, simply visit www.eHealthInsurance.com for free Health Insurance quotes and/or apply for the plan of your choice.

Sincerely,

Amir Mostafaie