Subscribe to company's group health insurance - On no contract health insurance plan

I missed the previous open enrollment period of my company and am on individual health insurance (month on month) plan. Can I opt for company's insurance after the end of a month's insurance? Will this qualify as a Qualifying Life Event? Please clarify.

Mount Laurel, NJ -

Attorney Answers (3)

Michael T Warshaw

Michael T Warshaw

Business Attorney - Red Bank, NJ
Answered

You must consult with your HR department to see what your options might be. If the plan has one open enrollment period, as most do, you must wait for the next one and continue to maintain your own policy until then.

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Tatiana Kadetskaya

Tatiana Kadetskaya

Insurance Law Lawyer - Philadelphia, PA
Answered

It depends on the terms in the group policy. Contact your company's HR department and address these questions to them. In addition, you can contact the insurer directly.

Mario L. Vasquez

Mario L. Vasquez

Insurance Law Lawyer - Houston, TX
Answered

Usually, group health insurance plans have a designated open enrollment period prior to the start of the coverage for a year. There are exceptions called Qualifying Life Events as defined in the policy. I do not believe that canceling a month to month policy would be a qualifying life event. Usually it is something like having a baby or those spelled out in the group policy.

Consult with an attorney and follow his/her advice.

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