Changes to Existing Coverage

When employees need to make changes to their existing coverage...

Refer to the table below for a quick overview of the different types of requested changes and when they can be made. To learn more, click on a specific type of change.

Requested ChangeWhen Change Can Be Made
Add Dependent(s)
Remove Dependent(s)Anytime
Basic Membership Update
(name, address, PCP change)
Anytime
Cancel CoverageAnytime

 

To Request a Change

  1. Submit a completed Group Enrollment Form - must be signed and dated by employee
  2. If required, attach "Additional Documentation"

Effective Date of Change

Changes must be received in writing in order for them to become effective.  Generally, requested changes become effective the first of the month following Blue Cross and Blue Shield of Vermonts receipt of the group enrollment form and additional documentation, if required.

 

Events Most Likely to Result in a Change of Membership

The table below outlines the most common events which result in a change of membership.  Please note the strict deadlines for submitting the change.

 

EventDeadlineEffective Date
New Hire/RehireNo later than 60 days from date of eligibility.Group determines but not to exceed 90 days from date of hire.
Marriage/Civil UnionWithin 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.
BirthWithin 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.
AdoptionWithin 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.
DivorceWithin 60 days of divorce.First of the month following divorce.
DeathWithin six months of the date of death.First of the month following death.
Qualifying Loss 
of Coverage
Within 31 days after loss of coverage.Retroactive to date of coverage loss.
Voluntary CancellationMust sign and submit Group Enrollment Form.First of the month following receipt.
Left EmploymentSubmit Group Membership Update Form indicating key word as "LE."First of the month following receipt.
COBRA EligibilityRemove subscriber immediately.  If subscriber accepts COBRA within 60 days, he or she can be retroactively reinstated.Not applicable.
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.Anniversary or Open Enrollment month.
During the Anniversary or Open Enrollment month.First of the month following receipt.