Learn More About Qualifying Life Events and Your Options

Find out procedures and deadlines to enroll in or drop GIC coverage within 60 days of a qualifying event.

Updated June, 2018

How to add your new spouse to your GIC health insurance dental coverage if you are getting married

Complete the Enrollment/Change form and include a copy of your marriage certificate.  Active employees return these forms to their GIC Coordinators; retirees return them to the GIC.  Forms and documentation must be received at the GIC within 60 days of the marriage.  Otherwise, you must wait until the next Annual Enrollment to add your spouse.

How to add a newborn to your GIC coverage

Complete the Enrollment/Change Form and attach a copy of the hospital announcement letter or your child's birth certificate.  A Social Security number must be sent, but you can do so upon receipt from Social Security.  The birth certificate or hospital notice must link the dependent to the insured or spouse. The GIC must receive the form and documentation within 60 days of the birth.

Documents and forms received after 60 days of the qualifying event will be denied and you must wait until the next Annual Enrollment to add the dependent.

When to add your spouse or dependent to your GIC health insurance (and/or GIC Dental/Vision or Retiree Dental) plan

You can add a spouse or dependent during Annual Enrollment or within 60 days of a qualifying event.  Acceptable documentation of the qualifying event and the Enrollment/Change form must be received at the GIC within 60 days of the qualifying event.  Qualifying events include:

  • Marriage
  • Birth
  • Adoption
  • Court order/Judgement
  • Spouse’s Annual Enrollment
  • Loss of eligibility of Medicaid or CHIP coverage
  • Spouse/Dependent Moving to United States

Active employees return forms to their GIC Coordinator; retirees return them to the GIC.  Forms and documentation must be received at the GIC within 60 days of the qualifying event.  Documents and forms received after 60 days of the qualifying event will be denied and you must wait until the next Annual Enrollment to add your spouse/dependent(s) from your coverage. 

How to drop a spouse or dependent from your GIC health and/or Dental/Vision or Retiree Dental coverage

Complete an Enrollment/Change form and attach proof of the qualifying event (e.g. enrollment in other health coverage or spouse's/dependent's open enrollment).  The GIC must  receive this form and documentation within 60 days of the qualifying event.  Documents and forms received after 60 days of the qualifying event will be denied and you must wait until the next Annual Enrollment to drop the spouse/dependent from your coverage.For a death of a spouse or dependent only, if documentation is received after 60 days, the GIC will determine the effective date of cancellation and you will not need to wait for the next Annual Enrollment.

If your spouse was terminated from employment and you lost his/her health insurance coverage, you may enroll in GIC health insurance benefits

You can enroll within 60 days of the involuntary loss of health insurance coverage.  The supporting documentation must specify that the loss of health coverage was involuntary, the termination date, and be on the employer’s or health plan’s letterhead.  The Enrollment/Change form and documentation must be received at the GIC within 60 days of the qualifying event.  Documents and forms received after 60 days of the qualifying event will be denied and you must wait until the next Annual Enrollment to enroll.

If it is your spouse’s annual enrollment, you can cancel coverage under your spouse’s employer and join GIC health and/or Dental/Vision or Retiree Dental coverage

The supporting documentation must show that it’s your spouse’s annual enrollment and effective date of annual enrollment plan changes.  The Enrollment/Change form and documentation must be received at the GIC within 60 days of the qualifying event.  Documents and forms received after 60 days of the qualifying event will be denied and you must wait until the next Annual Enrollment to enroll.

The Mass Connector’s or another state’s exchange’s open enrollment period is not a qualifying event to enroll in or drop GIC health insurance coverage

Health care reform exchanges are not employer-sponsored.  Another employer-sponsored open enrollment period is a qualifying event and GIC eligible employees and retirees may enroll in or drop GIC coverage within 60 days of the documents qualifying event.

When you can cancel your GIC health and/or Dental/Vision or Retiree Dental coverage

During the year, you can cancel GIC benefits within 60 days of a qualifying event.  Qualifying events include:

  • Marriage
  • Birth
  • Adoption
  • Divorce or Legal Separation
  • Spouse's gain of employment
  • Spouse’s Annual Enrollment

Forms and documentation must be received at the GIC within 60 days of the qualifying event.  Documents and forms received after 60 days of the qualifying event will be denied and you must wait until Annual Enrollment to cancel your coverage.

If you are, or your covered dependents are, moving out of your GIC health plan's service area, this will affect your health plan options

You and your covered dependents MUST live in your  at least nine months per year. Full-time college students are deemed to reside at your address. Most GIC health plans require that college students receive their routine health care services within the health plan's service area. See the Locator map for GIC Employee/non-Medicare and Medicare plans in your area.  Contact your health plan for additional details.

If you are covering a former spouse and/or children outside of a plan's service area, you must enroll in a health plan that covers your dependents where they reside.  To change health plans because you and/or your dependents are moving out of the service area,  complete an Enrollment/Change form and attach proof of new residency (e.g. bills or lease).  Forms and documentation must be received at the GIC within 60 days of the move.

If you are a GIC insured and reside in a state where civil unions are recognized, your partner is not eligible for GIC health insurance

Only spouses are eligible for health insurance benefits through the GIC.  A marriage certificate must be provided to add your spouse to your coverage.  

 

Refer to the Qualifying Status Change Chart to access a comprehensive overview of qualifying status changes, the allowable changes for that status change, the supporting documentation required, the timeline for submitting the form and documentation for the change, and the effective date of the change. If you do not see a scenario below, refer to the spreadsheet for details.

Feedback

Did you find what you were looking for on this webpage? * required
We use your feedback to help us improve this site but we are not able to respond directly. Please do not include personal or contact information. If you need a response, please locate the contact information elsewhere on this page or in the footer.
We use your feedback to help us improve this site but we are not able to respond directly. Please do not include personal or contact information. If you need a response, please locate the contact information elsewhere on this page or in the footer.

If you need to report child abuse, any other kind of abuse, or need urgent assistance, please click here.

Tell us what you think