Am I reading this correctly?- An insurance question.

Okay, I need help here. I understand the law about pre-existing conditions, etc. I am confused about "creditable coverage". I know it is about the lapsing between insurance companies/coverage. My question is this- Is the lapse included in the "insurance coverage begins 90 days after hire date"? I was layed off from my previous job on Oct. 29 where I had BC/BS. On Nov. 1, I began my current job. I picked up the insurance (Pacific Life and Annuity) the minute it was available (at the 90 day mark). So, does creditable coverage apply here? I am assuming it does otherwise you could not use it unless you were lucky enough to get new coverage at a new job before the normal 90 day waiting period. The reason I am asking this is because I had another surgery a couple of months ago and it is now pending to see if my insurance should pay at 70% or at 50% (since I had the surgery with the initial 6 month waiting period). If they take my previous insurance as creditable coverage then I will only have to pay 30%, not 50%. What do you think? Does this make sense? I hope so.

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