Navigating a Qualifying Life Occasion (QLE) will be complicated, particularly in terms of figuring out what documentation is required to confirm your state of affairs. This information outlines the most typical QLE sorts, what paperwork are required for every, and any state-specific nuances you need to be conscious of. Whether or not you’ve moved, misplaced protection, or skilled a significant life change, we’re right here that can assist you submit the precise info and maintain your protection on observe.
What’s a qualifying life occasion for medical health insurance?
A qualifying life occasion is a life-changing state of affairs — typically deliberate, typically surprising — that may influence you and your medical health insurance. Experiencing a big life change might assist you to change your well being plan exterior of the annual enrollment interval (additionally referred to as open enrollment).
Qualifying life occasions embrace (however should not essentially restricted to):
- Getting married
- Getting divorced
- Having or adopting a toddler
- The loss of life of somebody who shares your well being plan
- Shifting to a brand new space
- Lack of medical health insurance
- Experiencing a shift in employment standing
- Turning 26 years outdated
- Turning 65 years outdated
- Incomes U.S. citizenship
If you happen to expertise a Qualifying Life Occasion (QLE), it’s possible 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 sorts of qualifying life occasions right here.
What sort of paperwork do I would like for a qualifying life occasion?
While 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) may additionally be required for handle adjustments.
Colorado
A divorce decree should embrace particular language relating to well being protection.
