Benefits Plans - special enrollment under hipaa

Under the federal Health Insurance Portability and Accountability Act of 1996 (HIPAA), a special enrollment period for health plan coverage may be available if you lose coverage under certain conditions, or when you acquire new dependents by marriage, birth, or adoption.

  • If during Open Enrollment you decline enrollment for yourself or your dependents (including your spouse) because you have other medical insurance coverage and later you involuntarily lose that coverage, you may be able to enroll yourself or your dependents for U-M health plan coverage outside the annual open enrollment period, provided you request enrollment within 30 days after your other coverage ends. Changes under CHIPRA (Children's Health Insurance Program Reauthorization Act of 2009) must be reported within 60 days.
  • If you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your dependents for medical coverage outside the annual Open Enrollment period, provided you request enrollment within 30 days after the marriage, birth, adoption or placement for adoption.

 

Next: HIPAA Notification of Medical Plan Re-enrollment

 

Limitations
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.