Readoption—Eligibility Criteria

An employer that has previously withdrawn from the Concordia Health Plan (CHP) may apply for re-adoption of that plan by completing a new adoption form. However, upon readoption, there will be certain provisions and underwriting requirements that will need to be satisfied before the readoption agreement is approved. Those provisions and underwriting requirements are:

• A period of three years must have elapsed since the withdrawal occurred;
• Employer was in good financial standing at time of the withdrawal;
• Certain minimal participation requirements are satisfied.
• For workers enrolling in the CHP at the time the employer is readopting the Plan, there will be no CHP coverage for any pre-existing condition for the first 12 months of membership for that worker or any dependents. However, the pre-existing condition limitation period can be eliminated or reduced if the worker or his/her dependents had prior health coverage immediately prior to CHP enrollment and a HIPAA certificate is provided to document this other coverage. (The pre-existing condition limitation does not apply to prescription drugs, dental care, or the Member Assistance Program. Also, the limitation does not apply toward pregnancy-related expenses.)

After a readoption request is received, it will be reviewed by the Concordia Plan Services staff. The employer will then be notified, in writing, if the readoption application has been approved and the effective date of coverage.