If you lost your health insurance recently but had it for 18 months before you lost it, you might be able to get a different type of affordable health insurance in Tennessee. With the help of the Health Insurance Portability and Accountability Act, or HIPAA, people in TN can get cheap health insurance.
HIPAA covers a lot of different health-related issues, but if you're reading this, you're probably most interested in one: Employees have the right to keep their health insurance coverage for themselves and their families even if they change jobs or lose their jobs.
How does HIPAA make it possible for people in TN to get low-cost health insurance? They do this by making it illegal for any health insurance company to use "qualifiers" when figuring out your premiums. For example, they don't let health insurance companies use pre-existing conditions to figure out how much health insurance quotes will cost or how little they will cost. Some examples of pre-existing conditions are your current health, your medical history (and maybe that of your family), your genes, and even your disabilities. The same health problems that used to make you think it was impossible to find cheap health insurance in Tennessee no longer affect your health insurance policy or your quotes for cheap health insurance.
As far as coverage exclusions go, HIPAA makes it hard for any health insurance company to limit your coverage for pre-existing health conditions if you have had medical coverage for the past 12 months from a reputable insurer, like Medicare, a group health plan, or the military. If your old health insurance company isn't trusted or was from a foreign country, your new health insurance company can refuse to pay for medical care for a condition that was already there.
Visit the Tennessee Department of Commerce and Insurance to learn more about HIPAA and the Tennessee health insurance companies that follow it. Then go to http://EZQuoteGuide.com to get all those quotes for cheap health insurance!
