Update! Special Guidelines for Enrolling Children (Individual Plans)

As a result of federal healthcare reform, individual plans have changed their guidelines for adding children under the age of 19.  They can now be added at the following times only:

  1. Open Enrollment Periods:           
    1. March 15th – April 30th, 2011 (for a May 1st effective date)
    2. September 15th – October 31st, 2011 (for a November 1st effective date)
    3. November 15th – December 31, 2011 (for a January 1st effective date)
  2. Special Exceptions:  there are certain exceptions that allow children to be enrolled anytime during the year.  Parents must apply within 31 days of the following events to get coverage:
    1. No longer qualifying for a state program.
    2. Loss of coverage due to divorce.
    3. Loss of employer-sponsored coverage.
    4. Moved and current plan is not available at your new home.
    5. Also, parents/guardians can apply year-round within 60 days of birth, adoption, or placement of a child for adoption.

Feel free to contact us with any questions!  This is a change to the system which previously allowed dependents to be added at anytime with the completion of a health questionnaire.

For additional information, please see the WA Insurance Commissioner site: http://www.insurance.wa.gov/consumers/health/enrolling-children.shtml.


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