How do I use creditable coverage from prior health coverage to reduce or eliminate a pre-existing condition exclusionary period under my new employer-sponsored health plan?
Pre-existing condition exclusionary periods are reduced by the amount of time you had creditable coverage under a previous plan. If you had 4 months of creditable coverage under your previous plan, your pre-existing condition exclusionary period will be reduced by 4 months. To utilize creditable coverage, you must not have had a gap between prior coverage and new employer-sponsored coverage of more than 63 days. In California, if your prior coverage was through an employer, and you lost that coverage because your job ended, or you employer stopped offering or contributing to health coverage, that gap can be up to 180 days.
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