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2015 Changes to HIPAA Certificates of
Creditable Coverage |
The Affordable Care Act eliminated the use of pre-existing condition exclusions for individuals of all ages for plan years beginning on or after Jan. 1, 2014.
However, group health plans and issuers were required to continue to issue HIPAA Certificates of Creditable Coverage for the duration of 2014 since a plan year can begin as late as Dec. 31 in the calendar year.
HIPAA Certificates of Creditable Coverage, upon member termination, will no longer be necessary because the pre-existing condition limitations are fully eliminated in 2015.
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