The HIPAA certificate of creditable coverage is issued by a former employer to his/her employee if they had lost the health insurance coverage that was provided to them. The Health Insurance Portability and Accountability Act (HIPAA) stipulates that any employee can request their former employer to issue this certificate if the services of the employee are terminated.

Whenever there is termination of service this certificate will be issued by the employer. The employee can also request for it so that those with pre existing conditions would be able to get a new health plan easily.

The coverage for a group health plan pre-existing condition can be limited to twelve months. The insurance coverage would be lost if there is a break of sixty three days and above. The patient would also be able to obtain credit for the previous plan for a period of twelve months.

The Top 3 Things That You Need To Know About HIPAA Certificate Of Creditable Coverage

1. All details pertaining to previous health insurance coverage will be provided in the HIPAA certificate of creditable coverage. It will also provide the dates during which the insurance coverage was available. Apart from this it can also contain details regarding the insurer.

2. There are usually pre existing condition exemptions that are excluded by health providers. However if the HIPAA certificate of creditable coverage indicates that there has been no big break in the health plan no exemptions can be claimed by the health providers.

3. The Health Insurance Portability and Accountability Act stipulates that all insurance providers will need to provide the employee with a certificate of coverage till the end of the health plan. You would also be able to get a new certificate if you had lost it. The request for a new certificate must be made within twenty four months from the date when the coverage had ended.

The HIPAA certificate of creditable coverage is very important for the employees as it will help provide them with the requisite coverage for themselves and their families. This will also help prevent any employer from denying medical coverage based on any pre existing conditions. So people who have switched jobs or been terminated need not worry as the medical cover will take care of all their health needs.

The primary objective of Health Insurance Portability and Accountability Act was to help individuals who are changing jobs to have a health insurance plan that will help take care of the health needs of the family. You would be able to buy a new health care plan without the exclusion period if you have the HIPAA certificate of creditable coverage.

If the individual had lost his/her HIPAA certificate of creditable coverage they would be able to prove that they have health care coverage using other documents. These documents may include pay stubs that were provided by the employer. The pay stubs should contain details of the premium deducted for the health plans. Apart from this you can also get premium details from your insurer.

For more information, please visit our HIPAA Privacy Rule website.

For more information, please visit our HIPAA Privacy Rule website http://www.hipaaprivacyrule.com

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

Category: Medical Business
Keywords: health care organizations ,HIPAA,Health Insurance ,HIPAA Compliant