How does an employer-imposed waiting period affect a break in coverage?
With regard to HIPAA requirements, a period of Creditable Coverage will not be credited if, after such period and before the enrollment date, there was a period of 63 consecutive days during all of which the insured person was not covered under Creditable Coverage; however, any waiting period under the policy will not count as a break in the period of Creditable Coverage.
A period of creditable coverage shall not be counted if it is before a significant break in coverage if, after such period and before the enrollment date, there was a 63-day period during all of which the individual was not covered under any creditable coverage. A waiting period is not treated as a break in coverage. Any period that an individual is in a waiting period for any coverage under a group health plan (or for group health insurance coverage) or is in an affiliation period shall not be taken into account in determining the continuous period.
A53. A period of creditable coverage shall not be counted if it is before a significant break in coverage if, after such period and before the enrollment date, there was a 63 day period (or 180 day period if both the prior and new coverages are employer sponsored ) during all of which the individual was not covered under any creditable coverage. A waiting period is not treated as a break in coverage. Any period that an individual is in a waiting period for any coverage under a group health plan (or for group health insurance coverage) or is in an affiliation period shall not be taken into account in determining the continuous period.
