There are a lot of different life-changing and exciting events that can happen in someone’s life and a lot of times those are coupled with changes in your insurance. This means things like having a baby or getting married. When one of these events happen, you will probably be wondering what steps you need to take to add to your insurance plan in order to have the best health insurance for your family.
It can be a bit confusing because there are certain open enrollment periods for making changes to your already existing insurance plan, but does that still apply when you have a major life event? Will you have to wait until the next open enrollment period? What if something happens before then and your partner or child will need to use your insurance? If these are all questions that you are having, there is no need to stress! We will be giving you some information and if you still need some additional help and information, you can reach out to us and we can help you understand exactly what steps you will need to take!
Qualifying life event (QLE)
A special enrollment period is a time that will allow you to enroll in or change your health insurance outside of the yearly open enrollment period. A qualifying life event is something that will make you eligible for that special enrollment period. There are four different types of qualifying life events:
- Loss of health coverage
- If something happens at your job where you no longer will have insurance through them, if you lose eligibility for Medicare, Medicaid or CHIP, or if you turn 26 and lose access to insurance through your parents, you can qualify for a special enrollment period.
- Changes in household
- This type of life event includes anything that directly affects your immediate household. This consists of marriage or divorce, the birth or adoption of a child or a death in the family.
- Change in residence
- A certain change in your place of residence will qualify you for a special enrollment period. This includes moving to a different zip code or country, a student moving to their school, seasonal workers moving around and moving in or out of a shelter.
- Lastly, there are a few life events that may qualify you for a special enrollment period. These include changes in your income, becoming a U.S. citizen, leaving jail or prison and a few others. Be sure to check your eligibility if you are unsure.
If you think that you qualify for a special enrollment period due to a qualifying life event, contact us, so we can help you be sure and can get you the best health insurance for you! Something important that you need to remember is that you will have to provide documentation to confirm the events that make you eligible. This could include marriage or birth certificates and other forms of paperwork. Have those ready to go before you try to apply for a special enrollment period. After the qualifying life event, you will have only 60 days to change or enroll in a new plan. Be sure to be proactive to ensure that you are able to apply or make changes.
If you need help choosing the best health insurance that fits you and your family or if you need help figuring out if you qualify for a special enrollment period, contact us today! We can help you quickly and without stress!