Mid-year changes in coverage will only be allowed during the benefit year based on what the IRS calls a "family status change" or "life event". The coverage change must be consistent with the event and each event requires proof. Some examples of a family status change are:
You move outside of your HMO's or DMO's service area: You may enroll in health and dental insurance plans authorized for your area; the effective date will be the first day of the pay period after your move.
You get married or divorced:
You may enroll a new spouse within 31 days of your marriage; the effective date of the insurance is the first day of the next pay period after the the MI HR Service Center receives notification.
Or you may newly enroll in health coverage if you lose insurance coverage as a result of a divorce. (Note: a former spouse's eligibility for State sponsored insurance coverage will end on the date of your divorce).
Your spouse dies and you are covered under that spouse's insurance plans: You may newly enroll in the State-sponsored group insurance plans.
An eligible child is born, legally adopted/receive guardianship: You may add a new dependent to your insurance coverage within 31 days of acquiring that dependent through birth, adoption, or legal guardianship. The effective date will be the date of birth, adoption, legal guardianship or move.
Your spouse begins or ends employment:
You and your eligible dependents may enroll in State-sponsored group insurance coverages if your insurance coverage is lost as a result of a change in your spouse's employment;
Or you may cancel your state-sponsored insurance (or opt out) if you enroll in your spouse's plans.
Your spouse changes from part-time to full-time (or vice versa) or takes an unpaid leave of absence resulting in a significant change in your coverages:
You and your eligible dependents may enroll in State-sponsored group insurance coverages if coverage is lost or significantly reduced as a result of a change in your spouse's employment status;
Or you may cancel your state-sponsored insurance (or opt out) if you enroll in your spouse's plans.
There is a significant change in your coverages (or your spouse's coverages) through your spouse's employer plan:
You and your eligible dependents may enroll in State-sponsored group insurance coverages if coverages through your spouse's employer plan are lost, canceled, or significantly changed;
Or you may cancel your state-sponsored insurance (or opt out) if you enroll in your spouse's plan.
You must notify the MI HR Service Center in writing within 31 days of the family status change. You will be required to complete the necessary forms and will also be required to provide proof of dependent eligibility.
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