Help me better understand COBRA and HIPAA
October 27, 2005 11:43 PM Subscribe
COBRA/HIPAA: Help me understand how these health insurance laws might apply in several employer-leaving or life-changing events.
posted by weston to health & fitness (7 answers total)
(1) Someone I know was recently fired due to mental health issues. They did affect job performance, and weirded some coworkers out, and also led to some behavior that could be considered mild sexual harrasment. As far as I know, the weirding people out and somewhat inadequate performance were the only official reasons given for firing. Is he eligible for COBRA?
(2) Someone else I know is considering leaving their employer. My understanding is that if they leave voluntarily, they're eligible for COBRA if they apply within 30 days. Are there any pitfalls here, other than bearing the full cost of the group premium? And, in order to help control premium costs, does COBRA coverage allow for adjusting deductibles and limits?
(3) Another person has private insurance, has been diagnosed with cancer, and wants to move back with family in another state -- where their current insurer does not provide. Obviously the cancer makes her largely uninsurable. Does HIPAA do anything to help?