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HIPAA AND Retirees


Guest kjk

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Posted

Does HIPAA apply to Retiree Health Plans? That is, do we need to provide certificates of creditable coverage?

Posted

I believe so, i don't think their is anything in the regs singling out this kind of plan. On the practical side, I can see where they would need one if they were going to work somewhere else that might have benefits.

Why do think you would not? I always error on the side of conservative-ism and i would.

Posted

Thanks for your input. My two reasons for thinking it wouldn't apply are 1. The SPD for the Plan does not include HIPAA Special Enrollment language (and that got me wondering whether any of the HIPAA provisions should apply), and 2. temporary Reg. 54.9831-1T states that "the general requirements . . . do not apply to any group health plan for any plan year if, on the first day of the plan year, the plan has fewer than 2 partipants who are current employees." (emphasis on "current").

Posted

A separate plan alogether--actually two, one for Retirees Under Age 65 and one for 65 and over.

  • 5 months later...
Posted

The Joint Committee on Employee Benefits of the ABA posted on its website a Q&A transcript of informal discussions between JCEB and officials from the DOL from May of this year. The DOL informally responded in one of the Q&As that the portability, access and renewability requirements of HIPAA do not apply to a retiree-only health plan (though the rules relating to mothers and newborns would apply).

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