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Below is for California only

With the passage of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), Congress dramatically changed the way health care coverage is sold, administered and regulated in this country. Although many provisions duplicated existing California State laws, HIPAA made some dramatic changes. One of these is the "Group to Individual" portability.   HIPAA plans are guaranteed issue; acceptance is not based on your medical history like regular insurance policies.  However, this plan is not for everybody.

To qualify for a HIPAA plan, you must:

  • 1. Have completed a minimum 18 months of continuous health coverage, most recently under an employer sponsored group health plan.

  • 2. Have elected and exhausted continuation of coverage under COBRA or Cal-COBRA, if available.

  • 3. Have lost coverage within the last 63 days, for reasons other then fraud or non-payment of premiums.

  • 4. Not be eligible for Medi-Cal or Medicare, or have any other medical coverage.

Anthem Blue Cross offers 4 plans: a Basic PPO 1000 and a PPO Share 5000 Plans; a SelectHMO and a Saver HMO.   Because they are guaranteed issue (approval is not based on your medical history), premiums will be higher then the regular plans.

If you are coming off of a group plan, you can always apply for the regular Anthem Blue Cross plans at the regular rates. If the insurance company turns you down you can then apply for the Guaranteed Issue plan (as long as you meet the above requirements).  However, the application must be received by the insurance company within 63 days of the end of your prior group health plan.  Please contact us for more details about the guaranteed HIPAA plans.

If you do not qualify for HIPAA, then you may qualify for the California Major Risk Medical Insurance Policy (MRMIP).   This plan is administered by Anthem Blue Cross but has several insurance options, such as Anthem Blue Cross, Blue Shield and Kaiser.  Please read the handbook for more information.

The U.S. Department of Labor provides an informative and easy-to-understand HIPAA section at

CLICK to Download Your HIPAA Handbook.pdf

I QUALIFY FOR HIPAA. Or...fill in this form to have your Anthem Blue Cross HIPAA Insurance brochure with pricing & application mailed to you. Or just call us Toll-free at 1-877-Look4Life (1-877-566-5454).
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Barricks Insurance Services
276 N El Camino Real #6, Oceanside, CA 92058
Phone:   (760) 433-0300    |   Fax:   (760) 433-0304
Toll-Free (877) Look4Life  (877) 566-5454

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