EFFECTIVE DATE OF COVERAGE FOR DEPENDENTS – HMO’s

Aetna HMO: Coverage for an eligible dependent will be effective the first date of eligibility if the request is made within 30 days of the qualifying event, i.e. birth of a child, date of marriage, or loss of other coverage. If the request is not received with the 30 day period then the next time the request can be processed will be during the Open Enrollment period with an effective date of January 1, of the following year.

HIP – HMO, Vytra (Emblem Health): Coverage for an eligible dependent will be effective the first date of eligibility if the request is made within 30 days of the qualifying event, i.e. birth of a child, date of marriage, or loss of other coverage. If the request is made after 30 days of the qualifying event then coverage will become effective 30 days prior to the date of request. E.g., if you were married on January 1st and you request coverage for your spouse on April 15th, then coverage for your spouse will be effective on March 15th. Please note however, that you will be responsible for a full month premium contribution because there is no partial month billing.

Blue Cross HMO: Coverage for an eligible dependent will be effective the first date of eligibility if the request is made within 60 days of the qualifying event, i.e. birth of a child, date of marriage, or loss of other coverage. E.g., if you were married on January 15th and your request for coverage of your spouse is received by us on March 1st, coverage for your spouse will be effective on January 15th. Please note however, that you will be responsible for a full month premium contribution because there is no partial month billing. If the request is not received with the 60 day period then the next time the request can be processed will be during the Open Enrollment period with an effective date of January 1, of the following year.