Saturday, September 08, 2007

Broke your shoulder? Get a Job!

The easiest way to get health insurance for an "uninsurable" is to get a job that has health benefits. In fact, I'm willing to bet my boots that a few of you keep your job ONLY because it has health benefits.

Employers can't discriminate against someone who has a pre-existing condition, or if they have a family member with an "ongoing medical challenge." They might be able to exclude the condition for 12-18 months. However, they typically cannot exclude your busted knee if you had coverage during the previous 12 months.

HIPAA status is the best place to be. You become HIPAA eligible when your COBRA coverage runs out. Then are other way ways to become HIPAA eligible, which I'll talk about tomorrow.

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