The primary stated purpose of the Health Insurance Portability and Accountability Act (HIPAA) was “to improve the portability and continuity of health insurance coverage in the group and individual markets.” Portability of coverage would help eliminate job lock (a person unable to change jobs for fear of losing health coverage for a medical condition affecting the person or a family member).

In order to provide coverage that is more portable, HIPAA also limits exclusions for pre-existing medical conditions by providing credit for prior medical coverage. Credit for prior health coverage is verified by certificates that detail such coverage, called a certificate of creditable coverage.


The Administrative Simplification provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA, Title II) require the Department of Health and Human Services (HHS) to establish national standards for electronic health care transactions and national identifiers for providers, health plans, and employers. It also addresses the security and privacy of health data.

Adopting these standards will improve the efficiency and effectiveness of the nation's health care system by encouraging the widespread use of electronic data interchange in health care.

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Contact for Lucas County Members Only:
Jessica Chapa
Employee Benefits Systems Specialist
Employee Benefits Department
One Government Center, Suite 440
Toledo, OH 43604
Ph: (419) 213-4031