Is a Short Term Medical plan considered “creditable coverage” under HIPAA?
A. Under HIPAA, Short Term Medical coverage is generally considered creditable coverage to help satisfy any pre-existing condition period.* Previous creditable coverage includes: • A group health plan • Health insurance coverage • Part A or Part B of title XVIII of the Social Security Act (Medicare) • Title XIX of the Social Security Act, other than coverage consisting solely of benefits under section 1928 (Medicaid) • Chapter 55 of title 10, United States Code (Champus) • A medical care program of the Indian Health Service or of a tribal organization • A state health benefits risk pool • A health plan offered under chapter 89 of title 5, United States code (Federal Employee Health Benefit Plan) • A public health plan (as defined in regulations) • A health benefit plan under section 5(e) of the Peace Corps Act * State reform legislation may vary; consult your state for specific rights and requirements.
