Hi, I really need your help.
Because of my divorce, I changed to health individual insurance from the other (which was also individual) this Feb.

This May, my condition was changed suddenly and the doctor told me to have a surgery. Before that, I had some tests and the present insurance company didn't cover because of pre-existing condition.

I had no break of changing insurance, so I requested creditable coverage to the last insurance company.

Can I use creditable coverage for reduce my waiting period, 6 months? Both of the present and the last insurance were individual, not group plans. Also the company hasn't give me an clear answers. I've looked for the way I could have the surgery, but I found out it is the only way that they might cover.

Thank you.