Do You Have to Obtain Proof of Creditable Coverage From Blue Cross?

Close-up of Anthem Blue Cross sign.
Close-up of Anthem Blue Cross sign. (Image: David McNew/Getty Images News/Getty Images)

A Certificate of Creditable Coverage is a document that health plans and insurance providers, including Blue Cross, give to former members that discloses when they were insured. The certificates provided by Blue Cross typically include the name of the person who was covered, the health plan she was enrolled in, when coverage began and ended, whether there was an eligibility waiting period, and an HIPAA educational statement. Although your new health plan might not require you to obtain a Certificate of Creditable Coverage, Blue Cross will automatically send you one when your coverage under Blue Cross ends.

Reasons for Getting Certificates

Federal law requires health plans and insurance issuers to automatically send a Certificate of Creditable Coverage to any person who is losing health coverage, is eligible to continue coverage under COBRA, or is losing COBRA coverage. Thus, you will automatically receive one from Blue Cross under these circumstances. You won't be charged for the certificate, even if you request one, as long as you do so while you're still covered by Blue Cross or within 24 months of losing coverage. You might even be able to order the certificate online, depending on the Blue Cross health plan.

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