Don't leave without asking for a certificate of creditable coverage.

Any coverage you had prior to a break of 63 days or more will not count as creditable coverage.

In this example you would have 14 months of creditable coverage to offset a preexisting condition exclusion period.

You can offer proof through a "certificate of creditable coverage."

It is important, therefore, to keep accurate records that can be used to establish periods of creditable coverage.

Don't go 63 days or more in a row without a Medicare drug plan or other creditable coverage.

Your plan must tell you each year if your drug coverage is creditable coverage.

This employee has 8 months of creditable coverage.

Usually, the information is given in a certificate of creditable coverage.

In addition, some people with a history of prior health coverage will be able to reduce the exclusion period even further using creditable coverage.