What if my coverage needs change after the BOE period?

After BOE ends, changes in coverage will only be allowed for a "qualifying life event" (QLE). The coverage change must be consistent with the QLE and each event requires documentation. Some examples of a QLE are:

  • You move outside of your HMO's service area:
    • You may enroll in a health insurance plan authorized for your area. The effective date will be the first day of the pay period after your move.
  • You get married or divorced:
    • You may enroll a new spouse within 31 days of your marriage. The effective date of the insurance is the first day of the next pay period after the MI HR Service Center receives notification.
    • In the event of a divorce you must remove a spouse and step-child(ren) from insurance immediately. The effective date of the removal will be the date of the divorce. 
    • Or, you may newly enroll in health coverage if you lose insurance coverage as a result of a divorce.
  • Your spouse dies and you are covered under that spouse's insurance plans:
    • You may newly enroll in the State group insurance plans.
  • An eligible child is born, adopted, or you gain guardianship of a child:
    • You may add a new dependent to your insurance coverage within 31 days of acquiring that dependent through birth, adoption, or legal guardianship. The effective date will be the date of birth, adoption, or legal guardianship.
  • Your spouse begins or ends employment:
    • You and your eligible dependents may enroll in State group insurance coverages if your insurance coverage is lost as a result of a change in your spouse's employment.
    • Or, you may cancel your State group insurance (or opt out) if you enroll in your spouse's plans. 
  • Your spouse changes from part-time to full-time (or vice versa), or takes an unpaid leave of absence resulting in a significant change in your coverages:
    • You and your eligible dependents may enroll in State group insurance coverages if coverage is lost or significantly reduced as a result of a change in your spouse's employment status.
    • Or, you may cancel your State group insurance (or opt out) if you enroll in your spouse's plans. 
  • There is a significant change in your coverages (or your spouse's coverages) through your spouse's employer plan:
    • You and your eligible dependents may enroll in State group insurance coverages if coverages through your spouse's employer plan are lost, canceled, or significantly changed.
    • Or, you may cancel your State group insurance (or opt out) if you enroll in your spouse's plan. 

Notify the MI HR Service Center of a QLE as soon as possible, but no later than 31 days following the QLE occurring.  Do not wait until you have the official documentation to contact MI HR Service Center. You will be required to provide proof of dependent eligibility. Details about required documentation is available by visiting www.mi.gov/docs4ebd.