| This article will provide information for | | | | essence. The good news is that if you meet |
| people who need help finding HIPPA health | | | | these criteria, all companies that offer CO |
| insurance portability plans in Colorado. | | | | individual health insurance coverage must |
| HIPAA is a federal law that guarantees U.S. | | | | offer to cover you. |
| residents, including those living in | | | | |
| Colorado, the right to buy health insurance | | | | Your Rights Under Colorado State Law |
| coverage. Once you have had a health | | | | |
| insurance plan in place, you can use your | | | | Colorado has also passed legislation that |
| portability rights to get another one, even | | | | regulate conditions under which an insurance |
| if you have a pre-existing health condition. | | | | company is required to offer to cover you, |
| | | | which pre-existing conditions are covered, |
| Your Rights Under Federal Law | | | | and the cap on the amount the company can |
| | | | charge in premiums where there is a |
| Under the provisions of HIPAA (the Health | | | | pre-existing condition. |
| Insurance Portability and Accountability | | | | |
| Act), you cannot be denied insurance coverage | | | | If you have questions or need help finding |
| because of a pre-existing condition if you | | | | HIPAA health insurance portability plans in |
| meet the following criteria (among certain | | | | Colorado, the Colorado Department of |
| others so be sure and speak with an | | | | Insurance will be able to help you. You can |
| experienced Colorado health insurance agent): | | | | contact them at 1-800 930-3745 or visit them |
| | | | online. For information about companies |
| You have been covered for at least 18 months | | | | offering health insurance to CO residents, |
| (this coverage period must end with your | | | | why don't you compare rates using a free |
| having been insured through your work). | | | | online quote tool? |
| | | | |
| You have used up your continuation coverage | | | | Compare Colorado HIPAA Health Insurance Plans |
| under the terms of COBRA or those available | | | | Now |
| under Colorado state law. | | | | |
| | | | If you feel that you may be eligible for a |
| You haven't had any gaps in your coverage for | | | | HIPAA health insurance plan in Colorado then |
| longer than 63 days. | | | | be sure and shop around and compare rates |
| | | | from multiple individual health insurance |
| As you can see, when it comes to exercising | | | | companies. |
| your rights under HIPAA, time is of the | | | | |