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A written certificate issued by a group health plan or health insurance issuer (including an HMO) that shows your prior health coverage (creditable coverage).
To acquire a COI, you must first buy a business insurance policy. After the policy has been issued, most certificates of insurance are available online.
Plans are also no longer required to issue certificates of creditable coverage after December 31, 2014. These amendments were made because plans are prohibited from imposing preexisting condition exclusions for plan years beginning on or after January 1, 2014.
A certificate of creditable coverage (COCC) is a document provided by your prior insurer that indicates your insurance has ended. The document itself includes your full name, effective dates of coverage, and the cancellation date.
If your current insurance is creditable, youll receive a creditable coverage disclosure notice. Keep this letter. Youll need to show it to Medicare when you enroll to avoid having to pay late enrollment penalties.
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If an employee needs a COCC for proof of loss of coverage, they can contact their insurance carrier directly. In most instances, the insurance carrier will fax or email the COCC to them.
A Certificate of Creditable Coverage may be obtained from your former health insurance carrier. Please contact your previous health carrier and request them to provide you with a certificate. This certificate may partially or fully apply to your new coverage and alleviate pre-existing situations.

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