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Gain or Loss of Other Coverage

There are several situations in which you, your spouse or domestic partner, or your child may gain or lose coverage. Examples of common situations include:

  • Gaining coverage when your spouse or domestic partner becomes benefits-eligible through their employer
  • Losing coverage when your spouse or domestic partner loses benefits eligibility through their employer (due to a schedule change or termination of employment)
  • Your dependent child becoming eligible for or loses benefits coverage through their employer 
  • A dependent turning age 26 generally loses coverage through your plan (refer to the Who Is Eligible page for information for disabled dependents)

What are you interested in?

  • Gaining coverage 
  • Loss of coverage

Visit Making a Mid-Year Change to understand the actions you can take to update your benefits.

Gaining Coverage from Another Source

There may be a time when you find yourself newly eligible for benefits coverage outside of our Company. For example, perhaps your spouse has started a new job, and you now have access to benefits coverage through their new employer. 

Gaining coverage elsewhere doesn’t automatically mean you should make changes to your benefits or drop coverage through our Company in favor of what is now available. It’s important to carefully compare your new benefit options to those available through our company to make the best decision for yourself and your loved ones. It also does not have to be an “all or nothing” change. You can choose to remain covered in our Company plans while you drop your spouse/domestic partner or child from your coverage and have them enroll in their employer’s plan. In addition, you may choose to change your medical coverage, but remain in our Company dental and vision, for example.

If you choose to make changes to your Company benefits, you have 31 days from the date of the event that gave you access to other coverage to make any allowed changes to your benefits. Any change(s) you make will be retroactive to the date of the QLE. Take this time to ensure you continue to have the health coverage and financial protection you need.

You can initiate changes online at Benefits4MeEnroll > I Want to > Take Action > Change My Benefits. Visit Making a Mid-Year Change to understand the actions you must take to update your benefits.

Allowed changes include: 

If you have any questions about your benefits, contact Included Health.

Note: Union employees should consult their collective bargaining agreement for information about the benefits available.

Losing Coverage from Another Source

If you or your dependent is losing access to coverage from another source (for example, perhaps you were covered as a dependent on your spouse’s benefits, but they have left their job), compare our Company’s benefit options to what you or they may be entitled to receive through COBRA as a result of the loss. 

COBRA lets you continue your coverage for a specific period of time (typically 18 months). You’ll be responsible for paying 102% of the total cost. However, if your change occurs mid-year, COBRA honors any amounts you’ve incurred toward your annual deductible and out-of-pocket maximum. It’s legally required that the company from which you’ve lost coverage provides additional information on COBRA when you process your change. Each person affected will receive a COBRA notice. 

If you or your dependent child is losing access to our Company coverage due to turning age 26, you will receive a COBRA notice to continue coverage. You can weigh your available options and choose the coverage that is the best fit.

You have 31 days from the date of the event that caused you to lose access to coverage to make any allowed changes to your benefits. Take this time to ensure you continue to have the health coverage and financial protection you need.

You can initiate changes online at Benefits4MeEnroll > I Want to > Take Action > Change My Benefits. Visit Making a Mid-Year Change to understand the actions you must take to update your benefits.

Allowed changes include: 

If you have any questions about your benefits, contact Included Health.

Note: Union employees should consult their collective bargaining agreement for information about the benefits available.

Don’t forget your documentation!

To add a dependent to your benefits, you will need to show proof of eligibility, such as a birth certificate, adoption paperwork, or marriage certificate. Refer to Who Is Eligible for information on Dependent Verification.

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