<xsd:complexType name="HIPAAType">
<xsd:annotation>
<xsd:documentation>Contains details relavent to compliance with provisions under the
U.S. Health Insurance Portability and Accountability Act of 1996 (HIPAA). Reports the
number of prior months during which the person had medical coverage.
HIPAA Title I limits restrictions that a group health plan can place on benefits for
preexisting conditions. Group health plans may refuse to provide benefits relating
to preexisting conditions for a period of 12 months after enrollment in the plan or 18
months in the case of late enrollment. However, individuals may reduce this exclusion
period if they had group health plan coverage or health insurance prior to enrolling in
the plan. Title I allows individuals to reduce the exclusion period by the amount of
time that they had "creditable coverage" prior to enrolling in the plan and after any
"significant breaks" in coverage.</xsd:documentation>
</xsd:annotation>
<xsd:sequence>
<xsd:element ref="PriorCoverageMonths" />
<xsd:element ref="UserArea" minOccurs="0" />
</xsd:sequence>
<xsd:attributeGroup ref="EffectiveDateAttributeGroup" />
</xsd:complexType>
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