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Politics : View from the Center and Left

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To: Ilaine who wrote (51971)	3/5/2008 10:38:37 PM
From: wonk	Read Replies (1) of 542201

You have to understand the basics here. The starting point is the difference between HIPAA and COBRA. COBRA in short is a program which allows one to maintain coverage on a employer provided or other group plan, if employment is terminated. HIPAA is the "portability" component. That is if you can demonstrate "continuous coverage" - no break in insurance coverage longer than 60 days, then insurers cannot deny you coverage for pre-existing conditions. er.hipaaps.com However, there is nothing in the law which discusses rates. So for example, lets say your COBRA eligibility is expiring, while a health insurance provider cannot deny you coverage, the charges are steep. Thus, while there is no de jure denial, there is often de facto denial. The 2005 Kaiser HIPAA Rate in Virginia for a family of 3 with the primary being between 50-54 was $2253 / month on the highest co-pay. For the math challenged, thats $27,000 per year...and that was 3 years ago. Google it now. ww

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