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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
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Among other protections, the Health Insurance Portability and Accountability Act of 1996(HIPAA) provides that in certain circumstances you cannot be subjected by a new employer to a waiting period for health coverage if you previously had 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.

This article answers the questions:

  • 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 prior insurance wasn't as comprehensive as the new one?
  • How do I get a Certificate of Creditable Coverage?
  • What do I do with the Certificate when I get it?

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