Enrolling for medical benefits

If your employer offers medical coverage, you may enroll for benefits when you are first eligible, during annual enrollment, and if you have a qualifying life event.

If your employer offers medical coverage and you are eligible to enroll, you may elect it within 60 days of starting employment, or an initial benefits eligibility date set by your employer (if later than the date your employment started). You may also choose to waive this coverage.

You may elect medical coverage from among the options selected by your employer in one of four levels:

  • Member-only
  • Member + Spouse
  • Member + Child(ren)
  • Member + Family

Your employer may pay the entire cost or contribute a portion of the cost of medical coverage.

You may also enroll or change benefits elections during annual enrollment, in the fall. Mid-year changes typically are not allowed unless you have a qualifying life event, such as a marriage or birth of a child. Changes must be made within 60 days of the qualifying life event.

Enrolling dependents

When enrolling a family member, you must provide required documentation, for example, a marriage license, birth certificate, or adoption decree, along with the family member’s birth date and Social Security number.

Your children younger than 26 may be enrolled for coverage regardless of whether they are financially dependent on you, are a full-time student, are married, or live with you. Dependent, totally disabled children who are covered under the plan before they reach age 26 also are eligible.