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Certificates of Creditable Coverage Eliminated in 2015

Dec 02, 2014

The Affordable Care Act eliminated the use of pre-existing condition exclusions for individuals of all ages for plan years beginning on or after January 1, 2014. Group health plans and issuers, however, were required to continue to issue HIPAA Certificates of Creditable Coverage (CoCCs) for the duration of 2014 since a plan year can begin late in the calendar year (as late as December 31).  

Because 2014 will soon be coming to a close, generation of HIPAA Certificates of Creditable Coverage (CoCC) upon member termination will no longer be necessary because the pre-existing condition limitations are fully eliminated in 2015. 

UnitedHealthcare is taking the following approaches to provide a smooth transition for customers and members:

It is important to note that the process to support ad-hoc member requests for ‘proof of current coverage’ on active members is not changed as part of this transition.   

Some self-funded clients and large fully insured clients send their own HIPAA CoCCs. These clients may discontinue notices that are specifically for HIPAA portability purposes.

If you have questions about the elimination of the certificates of creditable coverage, please ​contact a member of your b&p Sales Team - 888.722.3373.

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