Content Overview
- Overview
- 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
What To Do If The New Insurer Does Not Request A Certificate Of Creditable Coverage
« Previous12/12
If an insurance company follows the general practice and does not request information about your previous coverage at enrollment, you're not out of the water. The standard practice is for health insurance companies to wait until a claim is submitted, then examine it to see if the claim relates to a "pre-existing" condition. If it does, many companies just go ahead and deny claims relating to pre-existing conditions and leave it to you to show that it should be covered.
To avoid that delay and hassle, we suggest:
- As soon as you become covered under a new plan, call the Claims office of the new insurance company. The telephone number will be on your insurance ID card.
- Tell the claims person that you are newly insured and want to provide the insurance company with your Certificate of Creditable Coverage so any pre-existing claims will not be denied.
- Don't let the person at the insurance company distract you with questions about a particular condition and whether or not it's pre-existing. You just want to present the Certificate so the issue does not come up at a later time.
- Ask for a name and mailing address of the person to whom the Certificate should be sent.
- Make a copy of the Certificate for yourself. Then send the original of the Certificate via a means by which you can get a receipt showing delivery (by Registered mail, Return Receipt Requested or by an overnight service), with a cover letter such as the following sample:
Your return address Date Name and address of the Claims Person RE: Name of Employer , Group Health Insurance Dear Mr/Ms XXXXXXXXXX: Enclosed is my Certificate for Creditable Coverage from my prior insurer. As you will note, the Certificate confirms that I have Creditable Coverage to be applied against any Pre-Existing Conditions Waiting Period in your plan. If you have any questions, please let me know. Very truly yours,
Your name |
Please share how this information is useful to you. 0 Comments
Post a Comment Have something to add to this topic? Contact Us.