When life changes, your health plan may need to change as well. Maybe you got married and need to add your spouse to your plan. Good news: you can add your spouse to your grandfathered or grandmothered plan without waiting for open enrollment.
What Are the Qualifying Events?
If you need to make updates to your plan, such as when you get married or your dependent turns 26, you may be able to add or remove someone on your plan.
These are considered qualifying life events and they allow you to make changes throughout the year during something called a special enrollment period. The charts below show which qualifying life events allow for a special enrollment period. Enrollment and effective dates vary by event and you may be asked to provide proof of the qualifying event.
Update your coverage or enroll by contacting your authorized Wellmark agent or by calling 800-722-1795.
Although Wellmark will no longer offer ACA-compliant plans, coverage for grandfathered and grandmothered plans remain in place.
Involuntary Loss of Coverage
|Qualified Life Events||Time Period To Apply|
|Divorce||60 days before and after event|
|Turning 26 years old||60 days before and after event|
|Policyholder enrolls in Medicare, Medicaid, Medicare Supplement, Medicare Advantage, Veteran Affairs (VA) coverage, TRICARE or group coverage||60 days before and after event|
|Death of a policyholder||Within 60 days of event|
Adding a Dependent
|Qualified Life Event||Time Period To Apply|
|Having a baby||Within 60 days of event|
|Adopting a child||60 days before and after event|
|Getting married||60 days before and after event|
|Receiving a court order for coverage||60 days before and after event|