AIM Guaranteed Issue
- Thread starter OBI Texas
- Start date
- 14,808
....or when you pull up their brochures and on the bottom right "contact for more information" is left blank?
- 6,094
Concerning HIPPA - I can't see where certain AIM plans wouldn't comply since certain features of those plans are underwritten and serviced by an actual insurance company as health insurance.
Just curious . . .
Tom
Just curious . . .
Tom
- 9,744
It makes no difference if or whom the underwriting carrier is.
Limited, defined benefit plans do NOT qualify as "HIPAA compliant". They are NOT creditable (or as AIM says "credible") coverage.
Period.
- 6,094
You tend to be knowledgeable in certain areas. Perhaps you could point me towards documentation that would sustain your statement. Or - please show me where to find information that precludes AIM from being HIPPA compliant and utilized as creditable coverage.
I can't seem to find any documentation that would disqualify them as being HIPPA compliant.
Just curious . . .
Tom
- 1,118
US Code, Title 29, Chapter 18, Subchapter I, Subtitle B, part 7, Subpart C, §1181:
(c) Rules relating to crediting previous coverage
(1) "Creditable coverage" defined
For purposes of this part, the term "creditable coverage" means, with respect to an individual, coverage of the individual under any of the following:
(A) A group health plan.
(B) Health insurance coverage.
(C) Part A or part B of title XVIII of the Social Security Act [42 U.S.C. 1395c et seq.; 1395j et seq.].
(D) Title XIX of the Social Security Act [42 U.S.C. 1396 et seq.], other than coverage consisting solely of benefits under section 1928 [42 U.S.C. 1396s].
(E) Chapter 55 of title 10.
(F) A medical care program of the Indian Health Service or of a tribal organization.
(G) A State health benefits risk pool.
(H) A health plan offered under chapter 89 of title 5.
(I) A public health plan (as defined in regulations).
(J) A health benefit plan under section 2504 (e) of title 22.
Such term does not include coverage consisting solely of coverage of excepted benefits (as defined in section 1191b (c) of this title).
And then the referenced 1191b (c):
(c) Excepted benefits
For purposes of this part, the term "excepted benefits" means benefits under one or more (or any combination thereof) of the following:
(1) Benefits not subject to requirements
(A) Coverage only for accident, or disability income insurance, or any combination thereof.
(B) Coverage issued as a supplement to liability insurance.
(C) Liability insurance, including general liability insurance and automobile liability insurance.
(D) Workers' compensation or similar insurance.
(E) Automobile medical payment insurance.
(F) Credit-only insurance.
(G) Coverage for on-site medical clinics.
(H) Other similar insurance coverage, specified in regulations, under which benefits for medical care are secondary or incidental to other insurance benefits.
(2) Benefits not subject to requirements if offered separately
(A) Limited scope dental or vision benefits.
(B) Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof.
(C) Such other similar, limited benefits as are specified in regulations.
(3) Benefits not subject to requirements if offered as independent, noncoordinated benefits
(A) Coverage only for a specified disease or illness.
(B) Hospital indemnity or other fixed indemnity insurance.
(4) Benefits not subject to requirements if offered as separate insurance policy
Medicare supplemental health insurance (as defined under section 1395ss (g)(1) of title 42), coverage supplemental to the coverage provided under chapter 55 of title 10, and similar supplemental coverage provided to coverage under a group health plan.
Taken from: US CODE: Title 29,1181. Increased portability through limitation on preexisting condition exclusions
At least, I think that this is the correct section. I could very well be reading it wrong. My plans to go to law school dried up around the same time I discovered Newcastle Brown Ale LDA
- 9,744
"(B) Hospital indemnity or other fixed indemnity insurance."
There you have it. Thanks Nick!
There you have it. Thanks Nick!
- 1,118
No problem!
- 1,118
Back at the University of Georgia - my degree had a heavy tilt towards criminology, so I spent a lot of time citing codes and whatnot. If you ever want to be put to sleep, ask me about my feelings on prison architecture or the PLRA
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