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 Is Creditable Coverage?
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Creditable coverage is health insurance coverage of almost any type. Creditable coverage includes health coverage under:
- A group health plan, whether the plan is through an insurance company or is self insured by the employer
- An individual health insurance policy of almost every type, including fee-for-service (indemnity) plans, HMOs, PPOs, and POS.(For more information on these plans, see Health Insurance). Policies which cover hospitalization, but not medical services are included. Limited benefit Hospital Indemnity-type plans that pay, for example $100 per day of hospital confinement, do not count as Creditable Coverage
- COBRA (provided the COBRA coverage occurred without a break in coverage of 63 days or more).
- Medicare
- Medicaid
- Federal Employees Health Benefits
- Coverage under the Indian Health Service
- Coverage through the Peace Corps
- A state health insurance high risk pool
- Military health insurance (CHAMPUS)
- Health coverage provided by a government entity such as Guam's StayWell Insurance or even a foreign country's national health plan
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