Health Insurance Made Simple

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.

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.

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.

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.