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What is the maximum waiting /elimination/probationary period a group can impose?

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What is the maximum waiting /elimination/probationary period a group can impose?

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A waiting period pursuant to HIPAA is the period that must pass with respect to the individual before the individual is eligible to be covered for benefits under the terms of the plan.

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The maximum period is six months to a year, depending on the employer’s human resource policies.

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We require that a probationary period be consistently applied within a class of employees. We may match the current carrier’s probationary period; however, our standard maximum is six months.

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A46. As defined under HIPAA, there is no stated limit. HIPAA defines “waiting period” as “the period that must pass with respect to the individual before the individual is eligible to be covered for benefits under the terms of the plan”.

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The length of the waiting period may be one, two or three calendar months, as selected by the group and agreed to by UNICARE.

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