Does previous health coverage count for coverage under HIPAA?
Yes. In HIPAA terminology, this is called creditable coverage. This is one of the law’s main benefits.The concept of creditable coverage is that an individual should be given credit for previous health coverage against the application of a preexisting condition exclusion period when moving from one group health plan to another, from a group health plan to an individual policy, or from an individual policy to a group health plan. An individual will receive credit for previous coverage that occurred without a break of 63 days or more. However, any coverage occurring prior to a break in coverage of 63 days or more would not have to be credited against a preexisting condition exclusion period. (However, some States’ laws may provide greater protections.) For example, John Doe had coverage for two years followed by a break in coverage for 70 days, and then resumed coverage for eight months. He would receive credit against any preexisting condition exclusion only for eight months of coverage
Yes. In HIPAA terminology, this is called creditable coverage. This is one of the law’s main benefits. The concept of creditable coverage is that an individual should be given credit for previous health coverage against the application of a preexisting condition exclusion period when moving from one group health plan to another, from a group health plan to an individual policy, or from an individual policy to a group health plan. An individual will receive credit for previous coverage that occurred without a break of 63 days or more. However, any coverage occurring prior to a break in coverage of 63 days or more would not have to be credited against a preexisting condition exclusion period. (However, some States’ laws may provide greater protections.
