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Adding Dependents to Existing Health Insurance Coverage
Opportunities for Adding a Dependent
A dependent(s) may be added to an existing policy during:
- open enrollment
- special enrollment (triggered by a qualified event)
Note: Some small groups do not have open enrollments because of state laws forbidding them. Members of these groups may add eligible members at any time.
|Required Documentation||Effective Date||Note|
|Group Enrollment Form||1st of the month following BCBSVT's receipt of form||Form must be signed and dated by employee|
|1st of the month following BCBSVT's receipt of the form and additional documenation||
Additional documenation requirements:
NOTE: When adding a domestic partner, dependent student or incapacitated child(ren) additional documenation requirements apply.
Events Most Likely to Result in Addition of Dependent
If any of these events listed below occur, you may request coverage for an eligible dependent.
|Event||Form Deadline||Effective Date|
|New Hire/Rehire||No later than 60 days from date of eligibility||First of the month following date of receipt, but not prior to completion of probationary period.|
|Marriage/Civil Union||Within 31 days following marriage/civil union.||First of the month following marriage/civil union.|
|32 to 60 days following marriage/civil union.||First of the month following receipt.|
|Birth||Within 60 days following birth.||Date of birth for child and 61st day after the birth for the membership type change.|
|61 to 90 days following birth.||First of the month following receipt.|
|Adoption||Within 60 days following adoption (or placement for adoption).||Date of adoption (or placement for adoption).|
|61 to 90 days following adoption (or placement for adoption).||First of the month after we receive the request.|
|Within 31 days after loss of coverage.
||Retroactive to date of coverage loss.|
|Within 90 days of the date of Medicare coverage||Date of Medicare entitlement. If received prior to Medicare effective date, coverage will be effective to coincide with Medicare.|
|Prior to the Anniversary or Open Enrollment month.||First of the Anniversary or Open Enrollment month.|
|During the Anniversary or Open Enrollment month.||First of the month following receipt.|