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<br />'" <br /> <br />or charl!ed a hil!her rate based on a medical condition. The D1an's Qualifvinl! events are <br /> <br />more liberal than the federa11aw. The entire Dlan is subiect to this exemption. The <br /> <br />exemDtion from these federal reQuirements wiII be in effect for the 2005 Dlan year <br /> <br />bel!inninl! Mav 1. 2005 and endinl! ADri130. 2006. The election mav be renewed for <br />subseQuent D1an vears. <br /> <br />HIPAA also reQuires the D1an to Drovide covered emD10vees and dependents with a <br /> <br />"certificate of creditable coveral!e" when they cease to be covered under the plan. There is <br /> <br />no exemption from this reQuirement. The certificate provides evidence that yOU were <br /> <br />covered under this D1an. because ifvou can establish vour Drior coveral!e. yOU mav be <br /> <br />entitled to certain ril!hts to reduce or eliminate a Dre-existinl! condition exclusion if vou ioin <br /> <br />another emp10ver's health plan. or ifvou wish to Durchase an individual health insurance <br /> <br />policv. If vou have anv auestions. contact Stephanie Fouse at 903 784-9243. <br /> <br />" <br />