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The Health Insurance Portability and Accountability Act (HIPAA) was enacted by the U.S. Congress in 1996. According to the Centers for Medicare and Medicaid Services (CMS) website, Title I of HIPAA protects health insurance coverage for workers and their families when they change or lose their jobs. Title II of HIPAA, known as the Administrative Simplification (AS) provisions, requires the establishment of national standards for electronic health care transactions and national identifiers for providers, health insurance plans, and employers.-
The Administration Simplification provisions also address the security and privacy of health data. The standards are meant to improve the efficiency and effectiveness of the nation's health care system by encouraging the widespread use of electronic data interchange in the US health care system.

Some Common FAQs

1.) Should you have an Individual or a Group Policy and are there any Pre-Exisitng Condtions?

2.) What should you know if you are traveling out of your area?

3.) What is a Rate Guarantee?

4.) What is a Health Savings Account?

5.) Do I need a referral for a Specialist?

Should you have an Individual or a Group Policy and are there any Pre-Exisitng Condtions?

An employer who has a minimum of 2 (fulltime) employees is eligible for Group Health Insurance.  The BIG decision factor on whether to apply for Individual or Group is are there any Pre-Exisiting Conditions?
* Individual Health Insurance can have limitations/riders, exclusions or rate-ups, or be declined if there are certain Pre-Exisiting Conditions.
*Group Health Insurance will be rated with several factors, including pre-existing condtions; however eligibility can still exist. 

Please see Insure 2 Health-Your professional Insurance Advisor.

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What should you know if you are traveling out of your area?

Make sure that your plan covers you and your dependents if you are out of your network area (City and/or state). Most carriers will decrease your coverage on your plan if you seek medical attention out of network.Traveling outside the U.S. is normally not covered, check with your professional advisor.

Please see Insure 2 Health-Your professional Insurance Advisor.

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What is a Rate Guarantee?

A rate guarantee means that your premium rate at the time of policy effective date cannot increase during that duration (time period).Example-IF, you have a rate guarantee for 1 year, your premium cannot increase during that one year.  There are rate guarantee options with different carriers from 1-4 years.

Please see Insure 2 Health-Your professional Insurance Advisor

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What is a Health Savings Account?

There are many pro’s to having a Health Savings Account.  Three top reasons for HSA’s are:  First, is the Tax Exemption.  The Second would be lower monthly premiums, and, Third would be 100% coverage after the deductible is satisfied.  There are many more reasons, please ask your professional advisor.

Please see Insure 2 Health-Your professional Insurance Advisor

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Do I need a referral for a Specialist?

HMO-Health Maintenance Organization requires a referral from your primary care physician in order for the subscriber/patient to see a specialist.  Your primary physician is commonly referred to as the “Gate Keeper”.
PPO-Preferred Provider Organization does not require a referral to see a specialist.

Please see Insure 2 Health-Your professional Insurance Advisor