Montana § 33-22-141 - Crediting Previous Coverage

§ 33-22-141. Crediting Previous Coverage

Crediting previous coverage. (1) (a) A period of creditable coverage may not be counted, with respect to enrollment of an individual under a group health plan, if there was a 63-day break in coverage. (b) The 63-day period provided for in subsection (1)(a) must be counted from the date that the certificate of creditable coverage was issued to the individual. (2) The time that an individual is in a waiting period for coverage under a group health plan or for group health insurance coverage or is in an affiliation period, as defined in 33-31-102 , may not be considered in determining the continuous period under subsection (1). (3) Except as provided in subsection (4), for the purposes of applying 33-22-514 , a group health plan or a health insurance issuer offering group health insurance coverage shall count a period of creditable coverage without regard to the specific benefits coverage during the period. (4) (a) A group health plan or a health insurance issuer offering group health insurance may elect to apply the provisions of 33-22-514 based on coverage of benefits within each of several classes or categories of benefits specified in regulations implementing Public Law 104-191, rather than as provided under subsection (3). If electing to apply the provisions of 33-22-514 pursuant to this subsection (4), a group health plan or a health insurance issuer shall: (i) make the election on a uniform basis for all participants and beneficiaries; and (ii) count a period of creditable coverage with respect to any class or category of benefits if any level of benefits is covered within the class or category. (b) In the case of an election under this subsection (4), a group health plan shall: (i) prominently state in a disclosure statement concerning the group health plan to each enrollee at the time of enrollment that the group health plan has made an election; and (ii) include a description of the effect of the election in the statement. (c) In the case of an election under this subsection (4), a health insurance issuer shall: (i) prominently state in a disclosure statement concerning the health insurance coverage to each employer at the time of the offer or sale of the health insurance coverage that the health insurance issuer has made an election; and (ii) include a description of the effect of the election in the statement. (5) Periods of creditable coverage with respect to an individual must be established through presentation of certifications described in 33-22-142 or in such other manner as may be specified in regulations implementing Public Law 104-191.