Continuation is the right to keep health coverage in force when a policy period or provider relationship changes.
In insurance operations this usually means moving from one plan design to another, moving employers, or moving across policy terms while preserving protection.
When continuation is used
Continuation prevents abrupt coverage gaps. The practical test is whether the new term is validly underwritten and premiums are paid on schedule.
Underwriting and claims effect
Continuations still require proof of eligibility, often by qualifying documents. Claims teams treat the new segment as governed by the policy term active at the time of loss.