Health Insurance Made Simple
Get the basics, understand your options, and feel confident during open enrollment.
Coverage Basics | Register Account | Get Started | Download App | Get Help
We're glad you're here.
This page is your go-to resource for understanding open enrollment and answering common questions about how your health plan works. Whether you're choosing a plan for the first time or just need a refresher, you’ll find clear, helpful information to guide your decisions.
At EMI Health, we’ve been supporting members like you for 90 years. As a not-for-profit insurer, we’re focused on people, not profits. That means your experience matters. We’re committed to making health coverage easier to understand, more personal, and built around your needs—so you can get the most out of your benefits and feel confident every step of the way.

ELEGIBILITY
WHO'S ELIGIBLE?
If you are eligible for benefits, you can cover your legal spouse, your children up to age 26, regardless of student or marital status, with the exception of life insurance which would end if your dependent child gets married. Dependents of any age with who are disabled can also be covered.
LIFE EVENT
WHEN YOUR LIFE CHANGES
Due to IRS regulations, you can only elect to make changes to your health insurance coverage during the annual open enrollment unless you experience a qualifying life status change during the year. Qualified events outside the open enrollment period allow you to add and/or remove yourself and your dependents
Common examples of qualifying life status changes are:
- Marriage
- Divorce
- Birth or adoption of a child
- Child reaching age 26 • Death of a spouse or child
- Change in child custody
- Change in coverage elections made by your spouse (or parent) during their employer's open enrollment period
- Loss of coverage under your spouse’s plan
- Loss of coverage under your parent's plan (once you turn age 26)
Documentation of the event, such as a marriage certificate, divorce decree, letter of coverage, or loss of coverage notice is required to finalize the change. If the supporting documentation is not submitted within the allotted timeframe, the earliest opportunity to make changes to your elections would be the next annual open enrollment period. Changes to your health insurance elections due to a qualifying life status change need to be made within 31 days of the event. Notify your HR representative or call EMI Health customer service for help.
COBRA
CONTINUING COVERAGE AFTER TERMINATION
Under most circumstances, you and your dependents may continue to participate in select benefit plans through COBRA after you terminate. You will be advised of your COBRA rights if you experience a COBRA-qualifying event. For more information, contact EMI Health customer service at (800) 662-5851.
COORDINATION OF BENEFITS (COB)
WHAT YOU NEED TO KNOW
If you, your spouse, or any dependents have other health insurance in addition to your EMI Health plan, we’ll need a quick form from you. It’s called a Coordination of Benefits (COB) form, and it helps us understand how your coverage works alongside your other plan.
Why it matters:
Having accurate COB information on file ensures your claims are processed smoothly and prevents delays or overpayments. It also helps us keep your EMI Health plan running efficiently and cost-effectively.
What to do:
Just fill out the COB form and return it to EMI Health as soon as possible. You can find the form [link to form] and send it back using the instructions provided.
Need help?
If you’re not sure whether this applies to you or how to complete the form, we’re here to help. Reach out to our Member Services team at (800) 662-5851 (Monday-Friday 6:00 am - 6:00 pm) and we’ll walk you through it.

Register Your Account
Stay on top of your benefits with easy access to your EMI Health account. Our secure member website is your one-stop shop for managing your plan, viewing ID cards, tracking claims, and more—all from your desktop or mobile device.
With your online account, you can:
View your personalized dashboardAccess and print ID cardsLook up plan details and in-network providersSee accumulators for yourself and your familyCheck recent claimsExplore tools and programs available to you
Get started at emihealth.com: Click “Sign-in/Register” to create or access your account.
Need help registering? View step-by-step instructions here:: English | Spanish
Your Benefits, Right at Your Fingertips.
With our mobile app, you can view your digital ID card, check claims, find in-network providers, and track your benefits on the go. It’s the easiest way to stay connected to your coverage.
Key features include:
Digital ID cards for you and your dependents
Real-time claim status and benefit details
Quick access to provider search
Secure, simple login
Download the app now: Apple/App Store | Android Google Play


Customer Service
Whether you’re looking for help with benefits, claims, ID cards, or something else—we’ve got a knowledgeable, friendly team ready to assist.
OR send us an email at cs@emihealth.com
We’re committed to making your experience as smooth as possible. If something doesn’t make sense, just ask—we’ll walk you through it.