Qualifying Life Events

After Open Enrollment ends, you can enroll in a private health plan through the CBC Health Insurance Marketplace only if you have a qualifying life event. This is a change in your life that can make you eligible for a Special Enrollment Period to enroll in health coverage. The types of life events that qualify and the documentation that is required for your enrollment are listed below.


Eligible Qualifying Life Events:


Loss of job or termination of employment

Required Documentation:
Cobra Election Form
(or)
FMLA
(or)
HIPPA Certificate or Credible Coverage

Reduction in hours or change of employment

Required Documentation:
Cobra Election Form
(or)
FMLA
(or)
HIPPA Certificate or Credible Coverage
(or)
Letter from employer on business letter-head confirming loss of coverage or reduction of hours

Employer stopped contributing to my coverage or my dependents

Required Documentation:
Cobra Election Form
(or)
HIPPA Certificate or Credible Coverage
(or)
Letter from employer on business letter-head confirming loss of coverage or reduction of hours

Cancellation of group coverage

Required Documentation:
Cobra Election
(or)
HIPAA Certificate or Credible Coverage
(or)
Letter from employer on business letter-head confirming the company group policy was canceled

Covered under deceased member

Required Documentation:
Cobra Election Form
(or)
HIPPA Certificate or Credible Coverage
(or)
Death Certificate
(or)
Letter from employer on business letter-head confirming loss of coverage
(or)
Obituary (newspaper copy &/or mortuary notice)

Coverage under Medicare

Required Documentation:
Copy of Medicare Card
(or)
Approval letter of entitlement from Social Security Office

Child turns age 26

Required Documentation:
HIPPA Certificate or Credible Coverage
(or)
Letter from employer on business letter-head confirming loss of coverage
(or)
Copy of letter from the carrier explaining reason for dependent cancellation

Loss of coverage under Medicaid or CHIP

Required Documentation:
Letter of notification of loss of coverage from the state

Returned from Active Military Service

Required Documentation:
Certificate of Release of Discharge from Active Duty

Disability status changed

Required Documentation:
Any relevant documentation that you have that shows when your qualifying event occurred

Immigration status changed

Required Documentation:
Any relevant documentation that you have that shows when your qualifying event occurred

Marriage

Required Documentation:
Marriage Certificate

Divorce

Required Documentation:
Divorce Decree

Move to new coverage area

Required Documentation:
Verification of recent address change
(or)
Current Utility Billing Statement confirming the address
(or)
Lease or Renter’s agreement
(or)
Monthly mortgage statement
(or)
School Enrollment Record from the former state

Birth of a child

Required Documentation:
Birth Certificate

Adoption of a child

Required Documentation:
Certificate of Adoption

Registration for Domestic Partner

Required Documentation:
Domestic Partner Certificate

Medical Child Support Order

Required Documentation:
Letter from the court

Loss of Exchange Coverage

Required Documentation:
Certificate of Coverage or evidence of other creditable coverage.

Termination of COBRA

Required Documentation:
Letter from the COBRA administrator or prior insurance company verifying that you have exhausted your Federal COBRA benefits.

Victim of Domestic Abuse:


If you are a victim of domestic abuse please call us at (888)371-5879 and ask to speak to one of our agents who can assist you.

Some unusual circumstances may be considered. If you are unsure please contact us:
Phone: (888) 371-5879     Email: marketplace@cbcins.com


 

 

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Attention: This website is operated by Custom Benefit Consultants, Inc. and is not the Health Insurance Marketplace website. In offering this website, Custom Benefit Consultants, Inc. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

 

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