KNOXVILLE OFFICE
450 Montbrook Lane
Knoxville, TN  37122

The Health Insurance Portability and Accountability Act of 1996, known as HIPAA, includes important new - but limited - protections for millions of working Americans and their families. HIPAA may:

• Increase your ability to get health coverage for yourself and your dependents if you start a new job;
• Lower your chance of losing existing health care coverage, whether you have that coverage through a job, or through individual health insurance;
• Help you maintain continuous health coverage for yourself and your dependents when you change jobs; and
• Help you buy health insurance coverage on your own if you lose coverage under an employer's group health plan and have no other health coverage available.

Among its specific protections, HIPAA:

• Limits the use of pre-existing condition exclusions;
• Prohibits group health plans from discriminating by denying you coverage or charging you extra for coverage based on your or your family member's past or present poor health;
• Guarantees certain small employers, and certain individuals who lose job-related coverage, the right to purchase health insurance; and
• Guarantees, in most cases, that employers or individuals who purchase health insurance can renew the coverage regardless of any health conditions of individuals covered under the insurance policy.

In short, HIPAA may lower your chance of losing existing coverage, ease your ability to switch health plans and/or help you buy coverage on your own if you lose your employer's plan and have no other coverage available.

For more information on HIPPA, email us....information@benefitsmanagemetgroup.com.