When are HIPAAs provisions effective for plans and issuers?
HIPAA protections generally are effective with new plan years (i.e., the renewal date of your plan) beginning on or after July 1, 1997. (For plans maintained under collective bargaining agreements, the law does not apply before the last of the collective bargaining agreements relating to the plan terminates, or July 1, 1997, whichever is later.)On the date the plan or issuer becomes subject to the HIPAA provisions, the plan or issuer may not exclude coverage for any preexisting condition for more than 12 months after an individual’s enrollment date (18 months for a late enrollee) regardless of whether this date occurred before the HIPAA effective date for the plan. This period may have already passed. If this period has not passed, the plan or issuer is required to count the time individuals have already served under the plan toward satisfaction of the preexisting condition exclusion period. In addition, the plan must use any creditable coverage that individuals accumulated prior to th
HIPAA protections generally are effective with new plan years (i.e., the renewal date of your plan) beginning on or after July 1, 1997. (For plans maintained under collective bargaining agreements, the law does not apply before the last of the collective bargaining agreements relating to when the plan terminates, or July 1, 1997, whichever is later.) On the date the plan or issuer becomes subject to the HIPAA provisions, the plan or issuer may not exclude coverage for any preexisting condition for more than 12 months after an individual’s enrollment date (18 months for a late enrollee) regardless of whether this date occurred before the HIPAA effective date for the plan. This period may have already passed. If this period has not passed, the plan or issuer is required to count the time individuals have already served under the plan toward satisfaction of the preexisting condition exclusion period. In addition, the plan must use any creditable coverage that individuals accumulated prior
