Adding Dependents to Existing Health Insurance Coverage

Opportunities for Adding a Dependent

A dependent(s) may be added to an existing policy during:

 

Required Documentation

Required DocumentationNote

Group Enrollment Form

Form must be signed and dated by employee

Additional Documentation
(if required)

Additional documentation requirements:

  • Qualifying Loss of Coverage

 

NOTE:  When adding a domestic partner or adult dependent due to disability, additional documentation 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.

EventForm DeadlineEffective Date

New Hire/Rehire

No later than 60 days from date of eligibilityGroup determines but not to exceed 90 days from date of hire.

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.

Qualifying Loss of Coverage

Within 31 days after loss of coverage.
 
Retroactive to date of coverage loss.

Medicare Supplemental Coverage

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.

Addition of Employee who refused initial enrollment.

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.