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Creditable Coverage 101

What If I Was With My Last Employer For Less Than 18 Months?

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According to HIPAA, your last insurance company is required to track your coverage history for at least 18 months prior to a potential loss of coverage and retain records of such coverage for at least 24 months after your coverage ends.

However, if the Certificate you receive doesn't show a full 18 months of coverage even though you had coverage for those 18 months, you will need to contact both the last insurance company and the company that had the prior plan to get an additional certificate that will show a total of 18 months.

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