Question

Under HIPAA, a pre-existing medical condition will be covered without a waiting period when the insured joins a new plan, if they have been insured the previous _______ months (without a break in coverage of 63 days or more).

A) 3 months
B) 6 months
C) 9 months
D) 12 months

Answer 1

Under HIPAA, a pre-existing medical condition will be covered without a waiting period when the insured joins a new plan, if they have been insured the previous 12 months without a break in coverage of 63 days or more.

Step-by-step explanation:

Under the Health Insurance Portability and Accountability Act (HIPAA), a pre-existing medical condition will be covered without a waiting period when the insured joins a new plan, if they have been insured the previous 12 months (without a break in coverage of 63 days or more). The correct answer to the question is D) 12 months.

The importance of this regulation within HIPAA was underscored by the subsequent Patient Protection and Affordable Care Act (ACA), commonly known as Obamacare. The ACA made significant changes to health insurance in the United States, including ensuring that people with preexisting conditions could not be denied health insurance.

This legislation has had a profound impact, as the number of Americans without insurance has markedly decreased since its implementation.As reported by the U.S. Department of Health and Human Services and the Census, the percentage of uninsured Americans has dropped from 20.3% in 2012 to just 8.6% by 2020.

Thanks in large part to the ACA. It is essential to note that both HIPAA and the ACA have played significant roles in providing coverage for individuals with preexisting conditions and reducing the number of uninsured citizens in the U.S.