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Gain or Loss of Non-IU Coverage

If you or your dependents gain or lose coverage elsewhere (such as through a spouse’s plan or employment), you may be eligible to make changes to the following plans. You must make these changes within 30 days of the event.

Important Information

The following circumstances will allow you to make changes to your benefit plans outside of Open Enrollment:

  • You involuntary lose outside coverage
  • Your spouse or child begins, loses, or changes employment or benefits at IU or elsewhere
  • The premium cost of your spouse's or child's coverage significantly increases (generally 10% or more)
  • Your spouse or child has an Open Enrollment opportunity elsewhere
  • Changes must be consistent with the other employer's coverage change

Documentation

Accepted Documentation for Gain of Non-IU Coverage:

  • Confirmation statement of benefits that outlines the coverages (i.e., medical/dental/vision), enrollee(s), and effective start date of coverage.
  • Letter from employer’s human resources department or insurance company that outlines coverages (i.e., medical/dental/vision), covered person(s), and effective start date of coverage.

Accepted Documentation for Loss of Non-IU Coverage:

  • COBRA letter from the former employer (please provide a full copy)
  • Letter from employer’s human resources department or insurance company that indicates what coverage(s) are terminating (i.e., medical/dental/vision), covered person(s) and effective termination date of coverage(s).

In addition, when newly adding a spouse and/or dependent(s) due to loss of non-IU coverage, dependent documentation (i.e. marriage certificate, birth certificate, etc.) must be submitted.

Medical and Dental Coverage

You may take the following actions:

  • Change the number of people covered, discontinue a plan, or add a plan.

Personal Accident Insurance (PAI)

You may take the following actions:

  • Change the level of coverage, add coverage, or terminate coverage.

Tax Saver Benefit Plans

You may take the following actions:

  • Change the amount of your allocation for health care and dependent care reimbursement accounts.

Resources

Make Benefit Changes