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Summary of differences between federal and state regulations
Federal HIPAA portability provisions limit exclusions for preexisting conditions; prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances.
States are allowed to go beyond the federal requirements. Connecticut virtually adopted the federal requirements for preexisting conditions (§38a-476a). However, it does have a couple of variations from the federal:
The plan must cover preexisting conditions for participants whose preceding coverage was continuous to a date less than 120 days before the effective date of the new coverage. This is exclusive of any applicable waiting period, except in the case of a newly insured participant whose previous coverage was terminated due to an involuntary loss of employment; then the preceding coverage must have been continuous to a date not more than 150 days prior to the effective date of the new coverage, provided the participant applies for succeeding coverage within 30 days of his or her initial eligibility.
This applies even if the participant was not previously covered for a preexisting condition. §38a-476
Connecticut also has the Connecticut Insurance Information and Privacy Protection Act which regulates insurance practices in regard to privacy. The provisions are in §§38a-975 through 38a-998.
State
Contact
Connecticut Insurance Department
Regulations
Health Insurance: www.cga.ct.gov/2011/pub/Chap700c.htm
Connecticut Insurance Information and Privacy Protection Act www.cga.ct.gov/2011/pub/Chap700c.htm