Affordable Health Insurance Waynesboro, GA

Waynesboro Georgia health insurance

Waynesboro Georgia Health Insurance is a nationwide insurance company that offers substantial economic and medical resources to citizens and employees in Waynesboro.

You will, in the meantime, benefit from knowing a little bit about HIPAA. HIPAA has significant impact on your affordable health insurance in Waynesboro, GA. While most of the time, it may seen that the only purpose of HIPAA is to increase the paperwork when you go to the doctor, it’s really much more than it seems. The Health Insurance Portability and Accountability Act, legislated in Congress in 1996, addresses how Coventry One and other insurance agencies address pre-existing conditions and continuing health coverage if you lose your job. The objective of HIPAA is to keep you from losing your health insurance if you develop a medical condition or become unemployed.

HIPAA guarantees that you can purchase COBRA health insurance if you lose your employer insurance. This is important for those affected negatively by the economy, with so many layoffs. COBRA can only be denied you if your affordable health insurance in Waynesboro, GA was not up to date in premiums.

HIPAA also keeps your health insurance from dropping you if you develop a health problem. In the past, unscrupulous insurance companies would drop their clients if the client developed serious medical problems. Coventry One has always worked hard to make sure their clients have proper coverage, and now, HIPAA enforces those standards for everyone.

HIPAA protects you when you switch insurance policies, too. If you have a pre-existing condition, and switch insurance companies, the new insurance company cannot exclude your pre-existing conditions if they were covered by your old insurance company. This is called “creditable coverage”. If you have had health insurance for at least a year, and have been uninsured for less than 63 days, your pre-existing conditions cannot be excluded from your new policy.

Affordable health insurance in Waynesboro, GA will be subject to HIPAA, so it will be fully transferrable if you change jobs or insurance companies. That’s the “Portability” part of HIPAA.

For example: Chloe’ has diabetes, which is controlled by medication. She had worked at her job, with full benefits, for 2 years when she got laid off. She was out of work for a month, less than the 63 day limit. While she was laid off, she developed an asthma condition.

Chloe’ got a job just one month after getting laid off. Her new employer’s insurance cannot exclude her diabetes, since she was previously covered. But, her asthma, since it was a new development, is not covered by her new policy.

Waynesboro Health Insurance is the best source of affordable health insurance in Waynesboro, GA. Call us today for your free quote.