Health insurance outside open enrollment?

  • by raquel
  • Sep 05,2019
  • 7 answers

My domestic partner lost coverage due to turning 26 effective 8/1/2019 and is no longer employed. So I termed myself under my parents plan 7/31/2019 so we could get our own medical plan. I thought we had 60 days to notify my job of the qualifying event but we only had 31 days. Now my job is trying to make us effective 9/1/2019 giving us a lapse in coverage for August 2019... what do I do in this instance? Do I apply somewhere outside of my employer ? I’m not sure how this works but we obviously can’t have a lapse even tho we did not use medical for August , it’s extremely stressful.please help, if your not sure please do not answer.


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Insurance Answers (7)

car253 last month

Just make it effective Sept 1.

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babyboomer1001 last month

Don't worry about it. You cannot get on the plan outside of the open enrollment period.

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StephenWeinstein last month

I don't think the lapse is a problem. A lapse of less than two months shouldn't pose a problem with future coverage for preexisting conditions or with penalties for being uninsured. Obviously, you won't be covered for any treatment you received during that month, but you said you didn't use it then anyway.

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Judy last month

They don't have a choice.
August is over, If you didn't have a major expense then, be glad you got lucky.

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Eva last month

You are allowed 1 short term lapse. You cannot get retroactive coverage.

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A Hunch last month

First off, be glad your company is allowing you to add your domestic partner to your health insurance.
Most states/cities removed the laws regarding health insurance for domestic partner, since there is no longer restrictions on who can marry. Also, does it even make sense to add this person to your benefits since you will be taxed on any employer contribution? At 26, it is generally a better deal just to purchase health insurance on your own.
I have no idea why you would care if you had a lapse of coverage for August?
Officially, since you only had 30 days to add coverage, your employer should have said "oh well, too bad, so sad". They are making a big accommodation for you which includes breaking a federal law by allowing you to add coverage after 30 days.

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Anonymous last month

Why is obvious that you can't have a lapse in coverage, because it's not obvious ...especially since you didn't use a provider in August?
FYI, for future reference it's 30 days and that's 30 days to get that information over to the insurance company. Dropping it off at HR on day 30 is still probably going to be late. We always make that clear to our groups that WE have to get it to the insurance company by day 30, so don't get it to us by then.

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