Navigating a Qualifying Life Occasion (QLE) could be complicated, particularly relating to understanding 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 have to be conscious of. Whether or not you’ve moved, misplaced protection, or skilled a serious life change, we’re right here that will help you submit the correct data and hold 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 — generally deliberate, generally surprising — that may impression you and your medical health insurance. Experiencing a big life change could let you change your well being plan outdoors of the annual enrollment interval (additionally referred to as open enrollment).
Qualifying life occasions embrace (however aren’t essentially restricted to):
- Getting married
- Getting divorced
- Having or adopting a toddler
- The loss of life of somebody who shares your well being plan
- Transferring 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- Turning 26 years outdated
- Turning 65 years outdated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
For those who expertise a Qualifying Life Occasion (QLE), you might be eligible for a Particular Enrollment Interval (SEP), which lets you enroll in a well being plan outdoors 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 varieties of qualifying life occasions right here.
What sort of paperwork do I want for a qualifying life occasion?
While you expertise a qualifying life occasion, you’ll seemingly be requested to submit documentation to verify the occasion. The kind of documentation you want is determined by the kind of qualifying life occasion and might differ by state. Here’s a checklist of frequent paperwork you’ll seemingly 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 handle adjustments.
Colorado
A divorce decree should embrace particular language relating to well being protection.
Regularly Requested Questions