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The Different Health Insurance Consumer Rights

The Different Health Insurance Consumer Rights

The government has enacted the Health Insurance Portability and Accountability Act of 1996 (HIPPA) to make the consumer aware of their different rights in their health insurance. The HIPPA provides renewable guarantee in health insurance and guaranteed issuance of health insurance. The act also safeguards discrimination in the different requirements or fees charged to the members of a group.

The government sees to it that the consumers are protected from any kind of discrimination when it comes to opting for any health insurance plan through different laws at the state and national levels. The HIPPA was specially formulated in this regard to make the health insurance portable and continuous and thus make it easy to administer. One important aspect that makes the act useful is when a consumer after buying a health insurance becomes sick or else injured at a later time. The act provides the guarantee to these plan holders to keep on continuing their health insurance and not fear cancellation by the health insurance companies.

Renewable Guarantee in health Insurance

The Health Insurance Portability and Accountability Act of 1996 provides the consumer who fall sick or are injured to continue their health insurance plans as long as they pay their premium or till the company providing the insurance coverage stops doing business. In no other ways, the insurance company can annul the insurance policy of the individual.

Guaranteed Issuance of Health Insurance

The HIPPA guarantees a small business owner applying for group health insurance against rejection by insurance company offering similar policy on ground of the medical history or any other issues of the group.

The HIPPA requires a condition existing before to be covered after 12 months of the coverage of health insurance in most of the states. In addition to this, for an insured individual not being uninsured, there will not be any exclusions in health insurance coverage.

Non-discrimination in Fees

A provider of group health insurance in no way can charge different fees to the members of a group. It is mandatory to give coverage to all the members in a group at the same rate who are at the same level, without considering the medical history or other factors of the individual members in the group.

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