Certificate of Credible Coverage

[BKrocko]

Try this one - http://info.insure.com/health/lawtool.cfm

I got it off of this forum but do not remember who posted it.

 

[trvlnut]

For indie plans like Aetna it means all the difference in the world. With prior credible coverage the 12 mo. pre-ex period Aetna imposes for any condition treated in the last six months is waived. Other carriers give partial credit towards pre-ex waiting periods.

I have a client whose group plan was cancelled. She won't have insurance for 30 days. Will the prior credible coverage still apply since she didn't have a 63 day lapse?

Thanks,
Nesha

 

[newmindfashion]

Nesha,
Should be no trouble at all. In some cases, carriers will allow 120 day breaks and 150 if due to involuntary loss of employment. 63 is usually the norm though.

 

[trvlnut]

Thanks for your help Newmind!