Certificate of credible coverage 2025

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You may have creditable coverage through a current or former employer, trade union, or one of the following: Federal Employee Health Benefits (FEHB) Program. Veterans Benefits. TRICARE (military health benefits)
This disclosure must be provided to Medicare eligible active working individuals and their dependents, Medicare eligible COBRA individuals and their dependents, Medicare eligible disabled individuals covered under your prescription drug plan and any retirees and their dependents.
A person will usually receive a Notice of Creditable Coverage in the mail every September, and they should keep this as proof should they later apply for Medicare coverage. If a person wishes to enroll in Medicare after their creditable coverage ends, they may be eligible for the Special Enrollment Period.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires that health insurance issuers, group health plans and/or employers issue a HIPAA certificate of creditable coverage when a persons health coverage ends.
You may show creditable coverage through a certificate of creditable coverage given to you by your prior plan or insurer (including an HMO) or by other proof. The plan can apply a pre-existing condition exclusion to you only if it has first given you written notice.
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People also ask

The certificate indicates the date on which an individuals coverage ends and how long the individual had the coverage. Individuals should retain this document for their records because the certificate provides evidence of an individuals prior coverage.
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.

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