What period of time does a certificate cover?
It depends on whether the certificate is issued automatically or upon request. For a certificate that is issued automatically, the certificate may reflect only the most recent period of continuous coverage under a coverage option offered by the plan. For a certificate that is issued upon request, it should reflect each period of continuous coverage under the plan or policy, that ended within the 24 months prior to the date of request. For example, John Doe worked for the Multi-Large Corporation, which offers its employees a choice of three different plans: a health maintenance organization (HMO), a fee-for-service indemnity plan, and a preferred provider organization (PPO). During the open season, Doe switched from the HMO to the PPO. Six months later, he left the Multi-Large Corporation, and the issuer of the PPO provided a certificate for the six months during which it covered Doe. If Doe wants to demonstrate that he had 12 months of creditable coverage, he needs to ask the Multi-Lar
It depends on whether the certificate is issued automatically or upon request. For a certificate that is issued automatically, the certificate may reflect only the most recent period of continuous coverage under a coverage option offered by the plan. For a certificate that is issued upon request, it should reflect each period of continuous coverage under the plan or policy, that ended within the 24 months prior to the date of request.
