You need to submit an address change with your health and/or dental plan.
If you are an HMO, Preferred Provider Organization, or Point of Service participant, you should contact your plan’s Membership Services department to see if your new residence is within your Primary Care Physician’s (PCP) service area. If you move out of their service area, you may need to change your health plan (may not be an option with the current company plan) You should change your address within 30 days of your move.
If you move out of your plan’s service area, select a new health plan within 30 days of your move (may not be an option with the current company plan). Contact Insurance Specialists to request the necessary change of address form(s). Complete and return the form(s) to us and we will complete the process for you.
You may wish to add your spouse to your coverage, or drop your coverage (if your spouse is going to cover you under his or her plan). You must contact Insurance Specialists within 30 days of your marriage. Contact either the Human Resources department of your employer or Insurance Specialists to request the appropriate health and/or dental change form(s) or download the form(s) in our products section. Complete and return the form(s) to Insurance Specialists.
When you get married, you are required to update your marital status with your employer, and provide information about your spouse, so your beneficiary designation can be updated. You may also need to change your address or other personal information with your health insurance carrier, if applicable. Within 30 days of your marriage, you should contact either the Human Resources department of your employer or Insurance Specialists to obtain the appropriate form(s).
A New Child
When you give birth, adopt, or receive legal guardianship of a child:
You may wish to increase your health and /or dental coverage to include your child.
You must contact Insurance Specialists within 30 days of the child’s birth, adoption or the state you were granted legal guardianship.
Contact us to request the appropriate health and/or dental change form(s) or download the form(s). Complete and return the form(s) to Insurance Specialists and we will forward them on to the insurance carriers.
If you are adopting or receiving legal guardianship, you must provide legal documentation.
You can terminate coverage by writing down on a piece of paper your spouse’s name, policy number, and requested date of cancellation. Send into Insurance Specialists and we will forward it on to the carrier. This must be done prior to the first of the month that you are cancelling.
If your Spouse Loses their Job:
You can add your spouse to your coverage.
You must contact Insurance Specialists within 30 days of the date your spouse’s job status change. Complete an application and return it to Insurance Specialists.
You Legally Separate or Get Divorced
When you marital status changes:
Marital Status in Payroll
Name, if applicable
Update Tax Withholding
Complete and return the form(s) that the Human Resources / Payroll department of your employer provides within 10 days of your status change. Notify Insurance Specialists within 30 days of your legal separation or divorce, (divorce decree is required) so we can make the appropriate changes to your benefits.
You must contact Insurance Specialists within 30 days of your separation or divorce. Contact us to request the appropriate health and / or dental change form(s). Complete and return the form(s) to Insurance Specialists. If you do not drop coverage for your spouse, you may be held liable for any health and/or dental costs he or she may have incurred.
For information on how your spouse can continue to receive health coverage through COBRA, check with your Human Resources department (should your employer qualify for COBRA).
You may choose to continue on a self-pay basis your health and/or dental coverage through COBRA for 18 months.
You have 60 days to elect COBRA coverage from the date of your COBRA qualifying event.
Initial payment is required within 45 days of election date in order for benefits to be provided under COBRA. Complete the Application for Continuation of Benefits Form and return the form to the Human Resources department within 60 days of your COBRA event date.
The initial payment must include premiums from the first day of COBRA coverage through the current month in which your initial payment is made.
Payments must be in the form of a check or money order. After an initial payment is made, thereafter, monthly payments in full are mandatory and due by the 1st of each month (for the month on which coverage is intended) in order for benefits to continue.