One of the most important provisions of the Health Insurance Portability and Accountability Act (HIPAA) is that is helps safeguard employees who switch jobs by providing them the requisite medical insurance for themselves and their family. Under the provisions of the act no employer would be able to deny a employee an employee medical insurance on the basis of any pre-existing illness.

This important piece of legislation helps millions of people get access to medical insurance even when they change jobs as the medical insurance continues even after they have switched jobs.

Importance Of Certificate Of Credible Coverage

– A patient who has switched jobs will be able to port his old medical insurance plan to the new medical cover easily even if he/she has any pre-existing medical problems. There is usually a time limit for getting the portability. The time period is usually 12 months for coverage of any pre-existing condition.

– The patient is given credit for any prior health coverage. The credit can be obtained against the 12 month exclusion period that has been specified in Health Insurance Portability and Accountability Act.

– A formal certificate is usually issued by the previous employers that will specify the time period for which the employee can claim credit.

So when an employee joins a new organization he/she would be able to demonstrate how much credit they have using this certificate.

– However if there is a break in the insurance coverage for more than 63 days the credit for previous coverage would be lost.

– If an employee loses his/her certificate of credible coverage they would be able to request for a new certificate within a period of 24 months from the time the coverage ended.

– The employee would also be able to use other documents to prove that they have a health care coverage if they had misplaced the certificate of credible coverage. The other documents that can be used for this purpose include pay stubs, copies of the premiums paid or some documentation from the previous insurer.

– Health insurance providers are requested by law to supply certificate of credible coverage on request. You can also request the certificate to be sent to your mailing address.

As per the rules and regulations of Health Insurance Portability and Accountability Act no employer would be allowed to discriminate against any employee if they have a pre-existing medical condition. The old insurance company will be required to provide you with this certificate.

This will ensure that no individual would be able to go without any insurance cover even as they switch jobs or unemployed for a specific duration of time. If an individual does not have any pre-existing medical condition it will not make any difference to the medical cover that is been provided by the new employer. A very important aspect that needs to be kept in mind is that the medical cover does not lapse for more than 62 days. You will need to have the certificate of credible coverage if you do not want your medical coverage to expire.

For more information, please visit our HIPAA website.

For more information, please visit our HIPAA website http://www.hipaaexams.com

Author Bio: For more information, please visit our HIPAA website.

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