- What Is Creditable Coverage?
- How Does Creditable Coverage Benefit Me?
- How Do I Prove My Creditable Coverage?
- When Will I Receive A Certificate Of Creditable Coverage?
- What If I Don't Receive A Certificate Of Creditable Coverage?
- What Should Be In A Certificate Of Creditable Coverage?
- What If I Was With My Last Employer For Less Than 18 Months?
- What if My Health Insurance Wasn't As Comprehensive As The New Coverage?
- How Do I Get a Certificate of Creditable Coverage?
- What Do I Do With The Certificate When I Get It?
- What To Do If The New Insurer Does Not Request A Certificate Of Creditable Coverage
Creditable Coverage 101
Basically, "Creditable Coverage" is health insurance coverage. It is a concept created by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and is relevant in two instances:
- HIPAA provides that when you obtain health insurance from a new employer, you cannot be subjected to a waiting period during which your existing health condition will not be covered if you previously had what is referred to as "Creditable Coverage."
- HIPAA also provides that if you lose your employer based health insurance you can convert to an individual health insurance policy.
In both instances, the protections are triggered by having a history of "Creditable Coverage." Proof of that history is contained in a Certificate of Creditable Coverage.
NOTE: If a new employer or insurer do not ask about prior coverage, submit the Certificate voluntarily. (We provide a sample cover letter.) It will save a time delaying hassle if you have a claim.
For additional information, see:
- A Certificate of Creditable Coverage
- Frequently Asked Questions
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