Special enrollment

You can add your new spouse to your current plan or you can select a new family plan.

• Enrollment period: 60 days after wedding date
• Effective coverage date: First day of the month following selection of coverage
• Documentation required: Marriage certificate

You can add your new child to your current plan or you can select a new family plan.

• Enrollment period: 60 days after birth/adoption date

• Effective coverage date: Date of birth or adoption

• Documentation required: Birth certificate, adoption paperwork or legal placement paperwork

Permanent move to an area not served by your current insurance carrier. You can select a new plan for yourself/family.

• Enrollment period: 60 days after date of move
• Effective coverage date:
  • If coverage is selected between the 1st – 15th day of the month: Effective coverage date is the first day of the following month
  • If coverage is selected between the 16th – last day of the month: Effective coverage date is the first day of the second following month
• Documentation required: Contact us to discuss your options regarding required documentation.

Newly eligible or ineligible for Advanced Premium Tax Credits or Cost Sharing Reduction. You can select a new plan for yourself/family.

• Enrollment period: 60 days after the date of an eligibility change
• Effective Coverage Date:
  • If coverage is selected between the 1st – 15th day of the month: Effective coverage date is the first day of the following month
  • If coverage is selected between the 16th – last day of the month: Effective coverage date is the first day of the second following month
• Documentation required: Contact us to discuss your options regarding required documentation

If you are turning 65, this starts the initial enrollment period for Medicare, which is the seven-month period during which you can enroll in Medicare for the first time. If you miss enrolling for Medicare during your Initial Enrollment Period, you will not be able to enroll until the following Annual Enrolment Period, which occurs from Oct. 1 to Dec. 7 each year. 

• Enrollment period: Three months before your 65th birthday, the month of your birthday and the three months after your birthday.
• Effective coverage date: First day of the month following selection of coverage.
• Documentation required: Contact us to discuss your options regarding required documentation.

You can select a new plan for yourself/family

• Enrollment timeframe: Application must be made within 60 days prior to or after the event date
• Effective date of coverage: If application is received prior to the event date the effective date will be the first of the month following the event date. If application is received after the event date the effective date will be the first of the month following application receipt date.
• Documentation required: Contact us to discuss your options regarding required documentation

Example: Loss of coverage event date is 11/30. For an application received on 10/31, the new coverage effective date will be 12/1. For an application received on 12/15, the new coverage effective date will be 1/1.

You can select a new plan for yourself/family.

• Enrollment timeframe: Application must be made within 60 days prior to or after the event date
• Effective date of coverage: If application is received prior to the event date the effective date will be the first of the month following the event date. If application is received after the event date the effective date will be the first of the month following application receipt date.
• Documentation required: Contact us to discuss your options regarding required documentation

Example: Loss of coverage event date is 11/30. For an application received on 10/31, the new coverage effective date will be 12/1. For an application received on 12/15, the new coverage effective date will be 1/1.

You can select a new plan for yourself if you have recently turned 26 and are no longer covered on your parent's insurance plan.

• Enrollment timeframe: Application must be made within 60 days prior to or after the event date
• Effective date of coverage: If application is received prior to the event date the effective date will be the first of the month following the event date. If application is received after the event date the effective date will be the first of the month following application receipt date.
• Documentation required: Contact us to discuss your options regarding required documentation

Example: Loss of coverage event date is 11/30. For an application received on 10/31, the new coverage effective date will be 12/1. For an application received on 12/15, the new coverage effective date will be 1/1.

You can select a new plan for yourself/family.

• Enrollment timeframe: Application must be made within 60 days prior to or after the event date
• Effective date of coverage: If application is received prior to the event date the effective date will be the first of the month following the event date. If application is received after the event date the effective date will be the first of the month following application receipt date.
• Documentation required: Contact us to discuss your options regarding required documentation

Example: Loss of coverage event date is 11/30. For an application received on 10/31, the new coverage effective date will be 12/1. For an application received on 12/15, the new coverage effective date will be 1/1.