When do I have to be offered conversion coverage?

• If you were covered under a fully insured group health plan and leave it, you may be able to buy a conversion policy. This is individual health insurance from the insurance company that covered your former group and is offered at the option of the insurer or as a result of the contract with your employer.

If the insurer offers a conversion policy, it must follow the rules for individual health insurance discussed at the beginning of this chapter.