Please note that this page is all pretty much just HISTORICAL.
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The intent of this provision is that all group carriers will offer a HIPAA guaranteed issue plan, not just the carriers that market individual products. (blue shield ca.com)
As far as the conversion and HIPAA rates, yes, they are usually very similar if not exactly the same for most plans. The Conversion plan is an extension of the group/COBRA plan whereas the HIPAA is an individual & family plan. The rate is usually the prime factor in why someone would chose one versus the other.
The Conversion plan is still linked to the group or COBRA, so the group would still have to be in force in order to accept this. Usually a conversion is a plan design close to, or mirroring, the group plan, and is offered thru the same insurance carrier.
HIPAA is a Federal §300 gg- 41 law that requires all insurance carriers to offer their top selling plans. Thus, enabling one to shop around.
(Excerpt of the answer to our emailed question to California Department of Managed Health Care (DMHC)).
Sample Conversion Plans
HIPAA & Conversion Plans
FROM DMHC Website
Other pages on HIPAA & COBRA
- AB 1401 Conversion & HIPAA Policies
- Benefits of HIPAA – Guaranteed Coverage when Cobra expires
- Blue Cross
- Blue Shield
- Eligible Individual – Defined for COBRA
- Enrollment Deadline for HIPAA application
- FAQ’s HIPAA
- Health Net
- HIPAA vs Conversion Plans
- National HIPAA
- Premium Calculation
- Resources – HIPAA