In most cases, limited benefit plans and medical discount programs are not considered to be creditable continuous coverage and should not be mistaken for major medical or full featured plans. Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.

Most health coverage is creditable coverage, such as coverage under a group health plan (including COBRA continuation coverage), HMO, individual health insurance policy, Medicaid or Medicare. Creditable coverage does not include coverage consisting solely of excepted benefits, such as coverage solely for limited-scope dental or vision benefits. See similar questions...

Creditable coverage is defined as certain types of prior health insurance coverage that may qualify in order to shorten or waive a pre-existing condition waiting period. This includes most comparable group healthcare plans, in certain cases, individual health insurance policies, Medicaid, Medicare, COBRA, state health benefits risk pools, the Peace Corps Act, or public healthcare plans. Don't sue us! Fractured Atlas is not an insurance company. See similar questions...

Under the standard method, you receive credit for your previous coverage that occurred without a break in coverage of 63 days or more. Any coverage occurring prior to a break in coverage of 63 days or more is not credited against a preexisting condition exclusion period. To illustrate, suppose an individual had coverage for 2 years followed by a break in coverage of 70 days and then resumed coverage for 8 months. See similar questions...

This plan of Short Term Medical Insurance (insured by Fairmont Specialty) does not provide benefits for pre-existing conditions, work related illnesses and injuries, and preventive care. If you or a dependent (spouse and/or child) have an existing health condition, please consult with your licensed, independent health insurance agent prior to changing or purchasing health/medical insurance coverage. See similar questions...

Answer. Yes*. Under HIPAA, short term medical plans are generally considered creditable coverage. *State reform legislation may vary. See similar questions...

Group health plans and health insurance issuers are required to furnish a certificate of coverage to an individual to provide documentation of the individual's prior creditable coverage. See similar questions...

Yes. If you, your new plan, and your old plan all agree, the information may be transferred by telephone. You are also entitled to request a written certificate for your records when your coverage information is provided by telephone. Yes. A plan or issuer must make reasonable efforts to collect the necessary information for dependents and issue the dependent a certificate of creditable coverage. See similar questions...

Prior group coverage, COBRA coverage, individual (non-catastrophic) coverage, Medicare (Part A or B), Medicaid, CHAMPUS, Federal Employees Benefit Program, and other Government programs. See similar questions...

The federal government enacted the Health Insurance Portability Act of 1996 (HIPAA) with the intent to assure health insurance portability, reduce healthcare fraud and abuse, guarantee security and privacy of health information, and enforce standards for health information. See similar questions...

Under the alternative method of counting creditable coverage, the plan or issuer determines the amount of an individual's creditable coverage for any of the five specified categories of benefits. Those categories are mental health, substance abuse treatment, prescription drugs, dental care and vision care. The standard method is used to determine an individual's creditable coverage for benefits that are not within any of the five categories that a plan or issuer may use. See similar questions...

HIPAA responsibilities do not eliminate or replace small employers' responsibilities under COBRA, but there are some places where they can be coordinated. HIPAA makes three changes to COBRA's continuation coverage, as described below. These changes were effective on January 1, 1997, regardless of when the event occurs that entitles the individual to continuation coverage. A disabled individual (as determined under the Social Security Act) is entitled to 29 months of COBRA continuation coverage. See similar questions...

There are some patients who would benefit from a CPAP treatment for sleep-disordered breathing but do not meet the Medicare or private insurer coverage criteria. For example, some patients have very frequent arousals because of increased breathing effort but do not have oxygen desaturations. These patients will have a high respiratory disturbance index (RDI), but they may have a low number of apneas and hypopneas. Their Apnea/Hypopnea Index (AHI) will be low. See similar questions...

Yes, under HIPAA, Short Term Medical policies are considered creditable coverage to help satisfy any pre-existing condition period. Previous creditable coverage includes: Title XIX of the Social Security Act, other than coverage consisting solely of benefits under section 1928 (Medicaid) A health plan offered under chapter 89 of title 5, United States code (Federal Employee Health Benefit Plan) See similar questions...

Security standards to provide physical, technical and administrative safeguards to protect the integrity, availability and confidentiality of health information. Privacy standards to ensure administrative and physical safeguards to protect the privacy and confidentiality of health information, and to protect against unauthorized access. See similar questions...