Originally Posted by Martha
HIPAA only guarantees you a plan if you your most recent plan was a group plan, so this is going to be tough. You might want to read the FAQ on purchasing private health insurance. Are you uninsurable? Do you know? HIPAA protections are only vital if you cannot buy insurance on the private market.
Probably uninsurable. I was thinking about returning to a guarantee issue state or a risk pool state when I am back in the US full time.
I would not need the hippa protection then.
I would need to find an international plan that would cover me with minimal limations in Latin America and emergency coverage for the few months I am in the US.
Any broker or insurance company suggestions?
Also company must comply with laws that will not create the 63 day lapse.