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Creditable Coverage 101

When Will I Receive A Certificate Of Creditable Coverage?

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Under HIPAA, a plan must issue a Certificate of Creditable Coverage:

  • Automatically upon your loss of coverage for any reason. For example, if you drop your coverage because you elect to be covered under a spouse's health plan or you terminate employment, or your coverage under COBRA expires.
  • Upon your request at any time within 24 months after coverage under the plan ends (including requests prior to termination of coverage).

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