Adding Family Members to Insurance Coverage

During an open enrollment period: You may add your family to the plan you select for yourself. You have to complete this step before the end of the open enrollment period of your first semester on campus in the enrollment year.

In other words, if you are here in the Fall, you make your decision for the August 1 through July 31 timeframe in that Fall open enrollment period, which ends in early September each year.

If however you don't arrive until the Spring of an enrollment year, you make your decision for Jan 1 through July 31 during that Spring open enrollment period, which ends Jan 31 each enrollment year.

You have to be enrolled in the plan in order to enroll your family members (spouse and children). They cannot enroll if you don't enroll yourself.

Outside of the open enrollment periods: You can add your family if they have just arrived in the states, if they lost their prior health insurance involuntarily within the last 31 days, or, in the case of your newborn child, within 31 days of the baby's birth. You can not, however, leave your family uninsured and then attempt to insure them when a medical claim arises. This is considered adverse selection, and the insurance company will not approve an enrollment under those circumstances.

If you are adding family members outside of the open enrollment period, we'll ask you to verify they've just arrived, or that they lost prior insurance coverage within the last 31 days. If you yourself are already enrolled, you use a change of enrollment form to add additional family members.