Prior to the passage of the Affordable Care Act (ACA), the Health Insurance Portability and Accountability Act of 1996 (HIPAA) required, among other things, a Certificate of Creditable Coverage to be provided to employees when their employment based, including COBRA, coverage terminated. The ACA’s elimination of pre-existing conditions made the Certificate of Creditable Coverage obsolete.

ACA regulations require that employees be provided a Special Enrollment Rights notice prior to or simultaneous with the employee having the opportunity to enroll in welfare benefit plans. TCO provides these notices as part of our COBRA Administration services.

To learn more about HIPAA in our Learning Center please Click Here.