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![]() Loss of Health Coverage![]() The New York State Insurance Department outlines the state's laws and policies on continuation coverage on its website. Creditable CoverageSome health insurance plans refuse to cover CF-related medical costs for up to 12 months upon enrollment, on the grounds that it is a pre-existing condition. This exclusion is legal, but you can get around it by invoking the "creditable coverage" provision of the Health Insurance Portability and Accountability Act of 1996 (HIPAA).For example, if you have 10 months of coverage under a previous group health insurance plan, your new plan will give you credit for 10 months of coverage, so they can refuse to cover your CF-related costs for only two months, instead of 12. If more than 63 days have passed without coverage, your group insurance can refuse to pay for any pre-existing condition. It is important to use COBRA to avoid any lapse in coverage. |
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