Creditable Coverage
is coverage under any individual or group plan that provides medical, hospital and surgical coverage, including continuation or conversion coverage, coverage under a publicly sponsored program such as Medicare or Medicaid, CHAMPUS, the Federal Employees Health Benefits Program, programs of the Indian Health Service or of a tribal organization, a state health benefits risk pool, or coverage through the Peace Corps. Creditable coverage does not include accident only, credit, coverage for on-site medical clinics, disability income, coverage only for a specified disease or condition, hospital indemnity or other fixed indemnity insurance, Medicare supplement, long-term care insurance, dental, vision, workers’ compensation insurance, automobile insurance, no-fault insurance, or any medical coverage designed to supplement other private or governmental plans.
You are considered to have been covered under a creditable coverage if you:
1. Were covered under a creditable coverage on the date that coverage terminated;
2. Were in an eligible status under this plan within 63 days of termination of the creditable coverage; and
3. Properly enrolled for coverage within 31 days of the eligibility date.
You are also considered to have been covered under a creditable coverage if your employment ended, the availability of medical coverage offered through employment or sponsored by an employer terminated, or an employer’s contribution toward medical coverage terminated, provided that you:
1. Were covered under a creditable coverage on the date that coverage terminated;
2. Were in an eligible status under this plan within 180 days of termination of the creditable coverage; and
3. Properly enrolled for coverage within 31 days of the eligibility date

Credible coverage is coverage under any individual or group plan that provides medical, hospital and surgical coverage, including continuation or conversion coverage, coverage under a publicly sponsored program such as Medicare or Medicaid, CHAMPUS, the Federal Employees Health Benefits Program, programs of the Indian Health Service or of a tribal organization, a state health benefits risk pool, or coverage through the Peace Corps.

Creditable coverage does not include accident only, credit, coverage for on-site medical clinics, disability income, coverage only for a specified disease or condition, hospital indemnity or other fixed indemnity insurance, Medicare supplement, long-term care insurance, dental, vision, workers’ compensation insurance, automobile insurance, no-fault insurance, or any medical coverage designed to supplement other private or governmental plans.

You are considered to have been covered under a creditable coverage if you:

  1. Were covered under a creditable coverage on the date that coverage terminated;
  2. Were in an eligible status under this plan within 63 days of termination of the creditable coverage; and
  3. Properly enrolled for coverage within 31 days of the eligibility date.

You are also considered to have been covered under a creditable coverage if your employment ended, the availability of medical coverage offered through employment or sponsored by an employer terminated, or an employer’s contribution toward medical coverage terminated, provided that you:

  1. Were covered under a creditable coverage on the date that coverage terminated;
  2. Were in an eligible status under this plan within 180 days of termination of the creditable coverage; and
  3. Properly enrolled for coverage within 31 days of the eligibility date

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