Post ACA World, the End of HIPAA Certificates of Creditable Coverage
February 10, 2015
As you may know, one of the provisions of the Affordable Care Act (ACA), is the elimination of pre-exisiting condition exclusions. Previously, when a member was terminated from coverage under a group insurance plan, he or she would receive a HIPAA Certificate of Creditable Coverage. This certificate would show that he or she had previous coverage and would not face pre-existing condition exclusions under a new plan. However, since the pre-exisiting conditions exclusion has been removed many insurance carriers have decided not to continue sending out these certificates despite the fact that some plans still require proof of prior coverage! What's a former participant to do? Reach out to member services, contact your former HR department, or if you're a client please contact Superior Benefit Plans who will be happy to assist you.
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