Certificate of Coverage

[karen1027]

Requested a Certificate of Coverage from Health Insurance Carrier. Was told that I cannot get one until coverage has been terminated. I do not want to terminate coverage but would like a certificate of coverage. Can I get one?

[GBurns]

It could be that they misunderstood what you mean.

Do you mean Certificate of Coverage, which you would have received after enrolling in your employer's group plan? Ask for a duplicate or even ask your Benefits Dept.

Do you mean Certificate of Creditable Coverage, which is given after termination?

If you mean Certificate of Creditable Coverage, then the question is why? It serves no purpose before termination.

[karen1027]

Never received a certificate of coverage - is that issued to dependents?

[GMK]

Ask for a Summary of Benefits and Coverages (SBC) notice. You should receive this notice each year from your coverage provider, or the plan sponsor may send it if your coverage is under a group health plan.

My understanding is that under ERISA you have a right examine Certificates of Coverage for free, and that you can get a copy upon written request, although you may be charged a copying fee.