What are pre-existing condition limitations and how are they handled?
A pre-existing condition limitation is considered any condition an employee sought treatment or was receiving medication for prior to enrollment on their new plan. Carriers will often deny coverage for a pre-existing condition, unless the enrollee can prove they had continuous health insurance coverage prior to enrollment on the new plan. The Certificate of Creditable Coverage from the previous carrier proves this continuous coverage and will be required by the new carrier. All employees will be subject to pre-existing conditions limitations until their new carrier receives a Certificate of Creditable Coverage from them. These certificates will be given to employees by their old carrier once the plan terminates. Please ensure your employees and their families submit the Certificates to their new carriers once they receive them. Be aware an employee could have a claim denied if they receive treatment for a pre-existing condition before their new carrier received their Certificate of Cre
