Hawaii Certificate of Group Health Plan Coverage
Description
How to fill out Certificate Of Group Health Plan Coverage?
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FAQ
A certificate of coverage (CoC) is a contract that lists an individual's health insurance coverage with their payor.
Who is required to provide health care insurance coverage? All employers with one or more employees, whether full-time or part-time, permanent or temporary, are required to provide Prepaid Health Care Act coverage to their eligible employees in Hawaii unless the employees fall into an excluded category.
The Hawaii Prepaid Health Care Act (HPHCA) requires employers to offer health coverage to all eligible employees in the state. The HPHCA predates ERISA and is exempt from ERISA preemption. The law strictly limits employee contributions and requires minimum benefit levels and certain plan provisions.
Individuals can get insurance directly from HMSA or through the federal health insurance marketplace at HealthCare.gov . Depending on your financial situation, you may be eligible for financial help, which is only available through the federal marketplace.
COBRA coverage lasts for up to 18 months and is available to employees who left their job for any reason other than gross misconduct. To enroll in COBRA, the employee must notify their former employer within 60 days of losing their job-based coverage and make monthly payments to continue their coverage.
Waiving medical coverage If an employee wishes to waive medical coverage, they must submit an HC-5 Waiver form to their employer, The form can be found on the State of Hawaii Disability Compensation Division website. The employer is responsible for filing the document with the DLIR.
This document explains the health benefits you and your dependents have under the plan. It details the services that will and will not be covered. Services that are not covered are called exclusions.
Hawaii Medicaid Fee-For-Service Program provides free or low cost health coverage to people age 65 and older or people with certain disabilities.
