Name:   copperline - Subject:   Hey Coop Date:   10/7/2016 3:32:29 PM

I don't think I am wrong here, but I will re-examine it.

If I understand what you are saying, the Certificate would be issued by Insurance company A and used to tell Insurance company B that they could not enforce policies related to pre-existing conditions by which they could deny coverage.   I cannot think of any other examples of a corporation issuing a legally binding document that controlled what a competitor could sell, or to limit which of the competitor's exclusions could be enforced on new subscribers.

I have to assume that you also mean that a Certificate of this type was legally enforceable, effectively binding the competing insurance company to do as instructed.   I have not seen a law or state insurance regulation like this before.     Under what legal framework did this Certificate do as you describe?

I can only imagine that there could have been circumstances whereby employer groups agreed to change coverages with the proviso that none of their covered employees would be subject to rejection by the new insurer.   The Certificate of Credible Coverage may have been more useful to negate waiting periods because they would show the time frame of coverage lapses between insurance groups... but did they really negate the threat of pre-existing conditions?