Late Enrollee – Qualifying – Trigger Event  QLE

Excerpt of Blue Cross Application-Accepted Reasons to be a late enrollee

special.enrollment.1

If you declined enrollment for yourself or your dependent(s) (including a spouse/domestic partner), you may be able to enroll yourself or your dependent(s) in this health benefit plan or change health benefit plans as a result of certain 

Special Open Enrollment – Late Enrollee – Qualifying triggering events, including:

(1) you or your dependent loses minimum essential coverage;

A.   Voluntary loss doesn’t count into the Individual Market and probably not for group. Health Care.Gov *  As President Trump said Insurance is very complicated.

(2) you gain or become a dependent;

(3) you are mandated to be covered as a dependent pursuant to a valid state or federal court order;

(4) you have been released from incarceration;

(5) your health coverage issuer substantially violated a material provision of the health coverage contract;

(6) you gain access to new health benefit plans as a result of a permanent move;

I don’t see a move in the CFR  maybe it’s just a CA rule?  Just a Blue Cross rule, in their application.  

Individual Rules on permanent moves.  It’s virtually the same wording, gain access as a result of a permanent move.  See also the Insurance Company Interpretations available on that page.

(7) you were receiving services from a contracting provider under another health benefit plan, for one of the conditions described in Section 1373.96(c) of the Health and Safety Code and that provider is no longer participating in the health benefit plan;

(8) you are a member of the reserve forces of the United States military or a member of the California National Guard, and returning from active duty service;

or

(9) you demonstrate to the department that you did not enroll in a health benefit plan during the immediately preceding enrollment period because you were misinformed that you were covered under minimum essential coverage.

You must request special enrollment within 60 days from the date of the triggering event to be able to enroll yourself or your dependent(s) in this health benefit plan or change health benefit plans as a result of a qualifying triggering event. Specimen Policy Page 121 *  Blue Cross Group Employee Application  * CFR 54.9810-6  Health Care Reform Regulation on Special Enrollment for Employer Plans 

 1357.500.  As used in this article, the following definitions shall apply:

(f) “Late enrollee” means an eligible employee or dependent who has declined enrollment in a health benefit plan offered by a small employer at the time of the initial enrollment period provided under the terms of the health benefit plan consistent with the periods provided pursuant to Section 1357.503 and   who subsequently requests enrollment in a health benefit plan of that small employer, except where the employee or dependent qualifies for a special enrollment period provided pursuant to Section 1357.503.

It also means any member of an association that is a guaranteed association as well as any other person eligible to purchase through the guaranteed association when that person has failed to purchase coverage during the initial enrollment period provided under the terms of the guaranteed association’s plan contract consistent with the periods provided pursuant to Section 1357.503 and who subsequently requests enrollment in the plan, except where that member or person qualifies for a special enrollment period provided pursuant to Section 1357.503.  

Learn more⇒ about Special – Late Enrollment Periods  – Individual    Employer Group

For more details see our

Individual Page on Qualifying Events.

Section 125 Cafeteria Plans What changes are permitted – Special Enrollment Periods?

Child Pages

   

 

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2 comments on “Late Enrollee – Trigger – Qualifying Events

  1. I work and live mostly in CA and I’m covered under my CA employer’s group health plan. I will be telecommuting from Nevada starting next month. Does that allow me a “special enrollment” QLE as a permanent move so that I can enroll in my wife’s group insurance plan? It allows better provider network as most everything is out of network on the CA plan.

    • IMHO I’d say that you got access to the Nevada plans at the last open enrollment for your wife’s plan or when you got married or when you moved, not decided to telecommute. See # 6 above. So no, you’d have to wait for open enrollment. Individual Plans would not be available either.

      Maybe your job change to telecommuting would not allow or provide medical benefits, change in employment status. Then you’d be able to get an employer letter that you have a loss of coverage # 1. # 4 on Blue Shield interpretation:

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