Credit for Prior Coverage

The six-month waiting period for pre-existing conditions will be shortened one day for each day you had creditable coverage under another health plan, provided: You were enrolled in comprehensive group or individual coverage at any time during the 63-day period immediately preceding the date of application and the benefits under your previous health plan were equivalent to or greater than the new plan you are applying for.

If you meet the requirements for the conditions listed under Credit for Prior Coverage, pre-existing condition waiting periods will be credited upon receipt of a Certificate of Creditable Coverage from your prior insurance carrier. A Certificate of Creditable Coverage will be issued to you by your prior insurance carrier upon termination of your plan. Please contact your prior insurance carrier for more information.