What Counts & What Paperwork You Want

Navigating a Qualifying Life Occasion (QLE) may be complicated, particularly with regards to figuring out what documentation is required to confirm your scenario. This information outlines the commonest QLE varieties, what paperwork are required for every, and any state-specific nuances try to be conscious of. Whether or not you’ve moved, misplaced protection, or skilled a serious life change, we’re right here that can assist you submit the proper data and hold your protection on monitor.

What’s a qualifying life occasion for medical insurance?

A qualifying life occasion is a life-changing scenario — typically deliberate, typically surprising — that may influence you and your medical insurance. Experiencing a big life change could permit you to change your well being plan exterior of the annual enrollment interval (additionally known as open enrollment).

Qualifying life occasions embody (however aren’t essentially restricted to):

• Getting married
• Getting divorced
• Having or adopting a toddler
• The dying of somebody who shares your well being plan
• Shifting to a brand new space
• Lack of medical insurance
• Experiencing a shift in employment standing
• Turning 26  years previous
• Turning 65 years previous
• Incomes U.S. citizenship

In the event you expertise a Qualifying Life Occasion (QLE), chances are you’ll be eligible for a Particular Enrollment Interval (SEP), which lets you enroll in a well being plan exterior of the usual Open Enrollment window. Take Command shoppers which have a QLE can report their life occasion and store for a brand new plan on the Take Command platform.

Learn extra about forms of qualifying life occasions right here.

What sort of paperwork do I would like for a qualifying life occasion?

If you expertise a qualifying life occasion, you’ll possible be requested to submit documentation to substantiate the occasion. The kind of documentation you want depends upon the kind of qualifying life occasion and might differ by state. Here’s a record of frequent paperwork you’ll possible want for numerous qualifying life occasions.

State-Particular Necessities

Some states have distinctive state-specific necessities for QLE paperwork. 

California

Proof of residency (e.g., lease or utility invoice) might also be required for deal with modifications.

Colorado

A divorce decree should embody particular language relating to well being protection.

Often Requested Questions