§ 3232-A — Certification of creditable coverage

§ 3232-a. Certification of creditable coverage. (a) Every insurer who\ndelivers or issues for delivery individual health insurance policies or\ngroup or blanket accident and health insurance policies shall provide to\ncovered individuals written certification, in a form as the\nsuperintendent may approve, of:\n (1) the period of creditable coverage, as defined in section three\nthousand two hundred thirty-two of this article, of the individual under\nsuch policy and any continuation coverage of the individual pursuant to\nstate or federal law; and\n (2) any waiting period or affiliation period (if applicable) imposed\nwith respect to the individual for any coverage under the policy.\n (b) The insurer shall provide such written certification:\n (1) at the time an individual ceases to be covered under the policy,\nincluding any period of time such individual was covered pursuant to any\nright of continuation under such policy; and\n (2) on the request on behalf of an individual made not later than\ntwenty-four months after the date of cessation of the coverage described\nin paragraph one of this subsection.\n (c) In the event of an election by an insurer or a group health plan\nto count the period of creditable coverage based on coverage of benefits\nwithin classes or categories of benefits as provided in state or federal\nlaw, if that insurer or group health plan enrolls an individual for\ncoverage under its policy or plan and such individual provides written\ncertification of coverage of the individual pursuant to subsection (a)\nof this section, then upon request of such insurer or group health plan,\nthe insurer that issued the certification of coverage so provided by the\nindividual shall promptly disclose to such requesting insurer or group\nhealth plan information on coverage of classes and categories of health\nbenefits available under its policy. An insurer disclosing such\ninformation may charge the requesting plan or insurer for the reasonable\ncost of such disclosure.\n (d) An insurer who delivers or issues for delivery group or blanket\naccident and health insurance policies is deemed to have satisfied the\nrequirements of subsection (a) of this section if the policyholder by\nwritten agreement with the insurer actually provides the written\ncertification in accordance with this section.\n