Adriana injured her arm on July 11, 2007. She will require several surgeries over the next two years to restore full function. On September 3, 2007 she begins employment with Savory Meals, Inc., which has a three month waiting period before new employees can enroll in its medical insurance plan. If Adriana enrolls in the insurance plan on the earliest date she is eligible:

Question

Quizplus · Accepted Answer

Under HIPAA (Health Insurance Portability and Accountability Act), preexisting conditions cannot be excluded if the individual has had continuous coverage for at least 12 months. Adriana began employment on September 3, 2007, and the waiting period for enrollment is three months, which means she will be eligible to enroll in the insurance plan on December 3, 2007. Assuming she was previously covered under a health insurance plan before her arm injury, she would have had more than 12 months of continuous coverage, and therefore her arm injury cannot be excluded as a preexisting condition under HIPAA.

Adriana Injured Her Arm on July 11, 2007