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Creditable Coverage 101

What If I Don't Receive A Certificate Of Creditable Coverage?

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You have a right to request a Certificate of Creditable Coverage at any time, including up to 24 months after coverage under the plan ends -- no matter what kind of plan you had or whether it was continued under COBRA or similar laws.

You can contact the administrator of the former plan and request a Certificate. If the creditable coverage was insured or provided through an HMO, you can also contact the insurer or HMO for a certificate. (The law requires both the plan and the "issuer" (insurer or HMO) to provide a certificate).

Since the 63 day period is critical if you are going from employer to employer, or employer to individual coverage, keep in mind that the period starts the day you lose coverage, not the date you get your Certificate.


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