If my plan or issuer imposes preexisting condition exclusions, how can new hires show they have creditable coverage?
In general, employees should receive a certificate from their prior plan or issuer when they cease coverage. This certificate contains information that will demonstrate creditable coverage. If employees do not have a certificate available, they can use a variety of evidence to prove creditable coverage. Acceptable documentation includes: pay stubs that reflect a coinsurance deduction, explanation of benefit forms (EOBs), verification by a doctor or former health care benefits provider that the employee had prior health coverage, and a benefit termination notice from Medicare or Medicaid.
Related Questions
- If my plan or issuer imposes preexisting condition exclusions, how can new hires show they have creditable coverage?
- How does the preexisting condition exclusion apply if an applicant has had prior coverage with another Blue plan?
- How does the change in preexisting condition exclusions affect the coverage I offer my employees?
